As an adult, you understand the importance of reviewing your credit report on a regular basis. After all, your credit score determines whether or not you can take out a mortgage for your dream home or even what jobs you are eligible for. That’s why it can be a shock when you find an error on your Experian credit report impacting your credit score. This can get worse, however, when Experian fails to remove the error despite filing a dispute with evidence. The following blog explores how a San Diego County credit reporting error lawyer can assist you during these challenging times.
What Credit Errors Will Likely Appear on My Report?
Unfortunately, there are a number of errors that can mistakenly appear on your credit report, subsequently impacting your credit score. These include, but are by no means limited to, the following:
- Duplicate listings which can make it seem as though you have more debt than you actually do
- Listing accounts you’ve closed as open
- Including debts you’ve paid off
- Reporting debts in collections that do not belong to you
- Listing your account as delinquent
- Failing to update previously reported incorrect information
It’s also important to understand that incorrect or outdated personal information can appear on your credit report. While a name misspelling or wrong birthdate generally does not directly impact your score, you may find that you are denied loans because the information does not match up.
If Experian Won’t Remove or Remedy the Error, What Can I Do?
When you notice an error on your credit report, you may immediately file a dispute with the agency to have the information removed from your account. You’ll need to provide additional proof of the inaccuracy of the information. However, if your dispute is ignored or denied, you may not know how to proceed or what other steps you can take to have the details removed from your report.
The law states that credit reporting agencies, like Experian, have thirty days to investigate and respond to disputes filed by consumers. However, if your case is ignored or mishandled, it can continue to place a strain on your life.
If this occurs, it’s in your best interest to connect with an experienced credit reporting error attorney to help you fight for the removal of this information. If they refuse to remove inaccurate details or fix your personal information, you are likely a victim of a Fair Credit Reporting Act (FCRA) violation. As such, your lawyer can fight on your behalf to have the error removed and for compensation for any damages you may have experienced because of the error.
When you need an attorney to represent you, Barthel Legal is here to help. Our dedicated team understands how impactful credit reporting errors can be. That’s why we’re ready to fight Experian on your behalf. Contact us today to learn how we can help you.
