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Credit Report Errors

Stop being victimized by errors in your credit report

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Mistakes on Credit Reports affect millions

Inaccuracies in credit reporting affect millions of Americans each year. In 2013, the Federal Trade Commission released a study finding that 20% of consumers have errors on their credit reports. The impact from these errors to consumers caused many to pay higher interest rates for things like car loans or insurance.

So how many people could this be impacting? There are three large credit bureaus – TransUnion, Experian and Equifax. Between the big three, it is said they have files on more than 200 million people in the US. Based on the FTC report, there could be as many as 10 million people impacted by credit report errors causing citizens to pay higher interest than they should.

Popular Error #1

Credit Report shows balance due on a settled or paid account.

A paid or settled account should report a zero balance. (Documentation: Settlement letter, payment confirmation, bank statements showing payments, etc.)

Popular Error #2

Report shows a balance after the Creditor discharged the debt with a 1099-C.

When a creditor issues a 1099-C they have discharged a debt you owe them and it should report on your credit report as a zero balance. (Documentation: 1099-C)

Popular Error #3

Duplicate accounts on the credit report.

Accounts can only appear on your credit report one time.

Popular Error #4

Debt Buyer and Original Creditor both reporting a balance due.

The debt buyer can begin reporting a balance, but the original creditor must stop. They can’t both report the debt as due at the same time.

Popular Error #5

Unknown account on your Report.

If you have an account on your credit report that you don’t recognize it could be identity theft or someone else’s account. (Documentation: For ID Theft – FTC ID Theft Affidavit, Police report, etc.)

credit agencies 3

The Credit Bureau Reporting Process

The credit bureaus collect financial information about you from lenders, businesses which have extended you credit, such as banks, credit card companies or mortgage providers. In many cases, these inaccuracies are reported by debt collection firms. In fact a recent CFPB findings show that nearly 40 percent of disputes filed against the major credit reporting agencies have to do with debt collectors. All of this information is regularly updated to the credit reporting agencies on the status of your accounts, and whether the debts are kept current and in good standing.

Our lawyers defend your rights against the bureaus

You see it everywhere today. An aggressive industry of fee-based companies stating they can help you straighten out issues with your credit report. At McCarthy Law, we do not provide credit repair services nor do we charge you fees to fight FCRA or Fair Credit Reporting Act errors. One of the debt services we offer nationwide to consumers is to be able to take control of their credit by correcting credit report mistakes and errors and then to aggressively enforce their rights when errors have been found to have been made. Learn more by contacting us, to see how we can help you resolve your credit report errors quickly with a no-fee consultation.

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How can I get my Credit corrected for FREE?

& perhaps get $1,000, too…

We get paid by the credit bureaus if they fail to correct your report, and we pay you a portion of the settlement. If you are more than one of the 40 million consumers with an error in one of your credit reports, you already know how difficult it is to get these errors corrected because the credit reporting agencies devote limited resources to addressing errors and the investigations they conduct are often inadequate. Worse yet, these uncorrected errors often cause you to pay a higher interest rate on loans, pay higher insurance costs, and encounter difficulty in securing employment.

As of today, no one need suffer the dreadful consequences of a credit reporting error ever again. Beginning today, McCarthy Law will fix credit reporting errors essentially for free with a No Fee Guarantee. The process is simple: all the firm needs to get started is your credit report and an understanding of the error. If you aren’t sure if your credit report is error-free, the firm can help you obtain a free copy and then take it from there.

How we help youfix credit errors

The process is simple: all we need is your credit report. Once we review your report and see what needs to be fixed, we send you a dispute letter that you can mail to the Credit Reporting Agency that is reporting the error. If they fix the problem, your credit report will reflect that in 45 days. If they don’t fix the error, we file a lawsuit and pay you a portion of the settlement. Either way, it’s free to you.

Step 1

Fill out our form. That tells us you’re interested in discussing a credit report error.

Step 2

We’ll give you a call and help you pull your credit report to send to us.

Step 3

We’ll review your report in order to understand the error.

Step 4

We’ll send you a dispute letter that you can send to the Credit Reporting Agency that reported the error.

Step 5

If the agency doesn’t fix the error, we’ll file a lawsuit and give you a portion of the settlement!

Did you know McCarthy Law’s program is free?

Call us for a FREE consultation today and find out how we can make a difference for you!

Price
Absolutely
FREE!
As low as
$89.95/mo.
$99.99/mo.
$79.00/mo.
Set Up
None
$14.99
Starting at
$79.99
$79.00
Consultation
FREE
Consultation
Free Credit
Report
Evaluation
Free
Consultation
Free
Consultation
Expected
time needed
3-6 months
Varies by
situation
45 day cycles
Varies by
situation
Total
cost over
enrollment
$0
6 months:
$554.69 to 2
years: $2,173.79
6 months:
$673.99 to 2
years: $2,479.75
6 months:
$558.69 to 2
years: $1,975.00

Price

Absolutely
FREE!
As low as
$89.95/mo.
$99.99/mo.
$79.00/mo.

Set Up

None
$14.99
Starting
at $79.99
$79.00

Consultation

FREE Consultation
Free Credit
Report Evaluation
Free
Consultation
Free
Consultation

Expected time needed

3-6 months
Varies by
situation
45 day
cycles
Varies by
situation

Total cost over enrollment

$0
6 months:
$554.69 to 2
years: $2,173.79
6 months:
$673.99 to 2
years: $2,479.75
6 months:
$558.69 to 2
years: $1,975.00