Credit Report Attorney Pennsylvania

BCJ Law helps consumers fix credit report problems. Our credit report service usually is free of charge since federal and state laws often allow us to recover fees and costs from the company that harmed you. To get a free case review from BCJ Law’s credit report attorney, complete our contact form or call 1-800-997-5561.

Have credit report problems? We can help.

If you’re having credit report problems, BCJ Law may be able to help. The Fair Credit Reporting Act (FCRA) allows you to dispute credit report errors with credit reporting agencies. Disputes must be investigated, and errors must be corrected or removed from your credit report. Visit fixcreditreporterrors.com, which is a free resource maintained by BCJ Law, and read any of the following pages if you have questions on the credit report dispute process:.

If you’re unable to correct credit report errors through the dispute process, you can sue to fix your credit report. Through lawsuits, you also can get compensation for any harm you suffered. If you have questions about the dispute process or need help, call us at 1-800-997-5561 or complete our contact form.

Are credit report errors common?

Unfortunately, credit report errors are common. In fact, as the Consumer Financial Protection Bureau (CFPB) recently stated, credit report problems are now the most complained about consumer issue.

Below are some statistics from a 2012 study and 2015 study by the Federal Trade Commission (FTC), and a 2017 study by the CFPB:

  • In one study, "[o]ne in four consumers identified errors on their credit reports that might affect their credit scores."
  • Credit reporting agencies failed to fix errors for nearly 70 percent of consumers who disputed inaccuracies in one study.
  • 76% of consumer complaints about credit reporting concern incorrect information on credit reports.

What are common credit report errors?

Credit report errors happen when credit reporting agencies (CRAs) make mistakes in collecting consumer data or when banks and lenders make mistakes in reporting information to CRAs. Errors also can happen when investigations are conducted improperly or your identity is stolen.

Common credit report errors include:

  • Mixed or Merged Files: When your credit report contains another person's information.
  • Out-Dated Information: When your credit report contains adverse information that's over 7 years.
  • Recording Mistakes: When wrong information is recorded or reported about you (clerical errors and coding mistakes are common causes).
  • Failing to Report Updated Information: Current information must be reported. A common error is failing to update a discharged debt.

Can credit report errors harm me?

Credit report errors can have harmful consequences. Common problems caused by credit report inaccuracies include:

  • Denial of credit or financing for a home, car, credit card, or other loan.
  • Getting less favorable loan terms, meaning you pay higher interest and/or additional fees.
  • Denial of employment or security clearances.
  • Denial of housing or having to pay more for a lease.

Who keeps credit reports on consumers?

There are various types of companies that keep credit reports on consumers. The largest credit reporting agencies are Equifax, Experian, and TransUnion. These companies are known as the “Big Three” are are nationwide credit reporting agencies. There also are many other types of companies that are considered consumer reporting agencies and that keep speciality consumer reports. These include some of the following organizations:

I. Employment Screeners:

  • Accurate Background
  • American DataBank
  • backgroundchecks.com
  • Checkr
  • First Advantage Corporation
  • General Information Services (GIS)
  • HireRight
  • Info Cubic
  • IntelliCorp
  • OPENonline
  • Pre-employ.com
  • Sterling Talent Solutions
  • Trak 1
  • The Work Number

II. Tenant Screeners:

  • Contemporary Information Corp (CIC)
  • CoreLogic Rental Property Solutions
  • Experian RentBureau
  • First Advantage Corporation Resident History Report
  • LeasingDesk (Real Page)
  • Screening Reports
  • Tenant Data Services
  • TransUnion Rental Screening Solutions

III. Checking, Banking, and Sub-Prime Screeners:

  • Certegy Check Services
  • ChexSystems
  • Clarity Services
  • CoreLogic Teletrak
  • CrossCheck
  • Data X
  • Early Warning Services
  • Global Payment Check Services
  • FactorTrust
  • MicroBilt/PRBC
  • TeleCheck Services

IV. Other Screeners/Consumer Reporting Agencies:

  • A-PLUS Property (Verisk)
  • C.L.U.E.
  • CoreLogic Credco
  • Drivers History
  • Innovis
  • Insurance Info Exchange (iiX)
  • LexisNexis Risk Solutions
  • MIB
  • Milliman IntelliScript
  • National Consumer Telecom & Utilities Exchange
  • SageStream (ID Analytics)
  • The Retail Equation
  • VIP Preferred

Hire BCJ Law to help!

If you’re having credit report problems, please contact BCJ Law for help. To get a free case review from our credit report attorney, call us at 1-800-997-5561 or complete our contact form.

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