The Fair Credit Reporting Act (“FCRA”) is a federal law that gives consumers the right to know what is in your credit reports and dispute information that is inaccurate. For many years Molleur Law Office has been helping clients who have been victims of negligent or willful errors on their credit reports. These can include reporting debts that have been discharged in bankruptcy, debts that arise out of identity theft or debts that are wrong for some other reason. The FCRA applies to tenant screening reports and employment reports so we can help if there are errors on those as well. We can help you navigate the required dispute process and, if that doesn’t work, we have lots of experience suing both the furnishers of the information and the credit reporting agencies.
So use this form to request your free credit reports once a year and call us if you find mistakes that don’t get fixed after you go through the dispute process with the credit reporting agencies. Remember to always dispute to the credit reporting agency that has the mistake on your report or you may be waiving some of your claims. They have to send the dispute to the furnisher. And remember to always send everything by certified mail and keep copies of your dispute and the results. We find it is very difficult to get copies if you do it online so we recommend the good old-fashioned U.S. Mail.
Molleur Law Office can bring cases in MA, ME or NH and can work with local attorneys to bring cases in other states.