The Fair Credit Reporting Act (FCRA) and The Credit Repair Organizations Act (CROA) clearly set forth consumer rights concerning their credit report. Inaccurate, negative information usually results from sloppy reporting from both creditors and the credit bureaus. False information may also appear due to identity fraud. Creditors who ignore their client’s requests for accurate billing do not always respond properly. With our extensive background in financial law, our office's attorneys and staff are well equipped to assist clients with credit reporting issues.

A less than perfect or poor credit rating is the number one reason why consumers are not able to obtain auto loans, home loans and even jobs. It can be a result of an inconsistent payment history, high debt to income ratio, insufficient credit, inaccurate information or identity theft. Your credit rating is measured by a credit scoring system that uses statistical formulas to factor criteria established by the credit bureau or a lender to generate your credit score. The higher your credit score, the better your credit rating

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