FCRA
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© 2016 Robert Mitchell, Attorney at Law, PLLC
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Fair Credit Reporting Act (FCRA)

Robert Mitchell, Attorney at Law, PLLC, Serving:

Vancouver, Spokane, Seattle, Everett, Tacoma, Olympia, Tri Cities, Clark County, King County, Snohomish County, Pierce County, and the entire state of Washington; and Multnomah County, Marion County, Clackamas County, and the entire state of Oregon; and Fairchild Air Force Base, Joint Base Lewis-McChord, Bangor, Bremerton, and all servicemembers within the states of Washington and Oregon. This website is not legal advice and does not create an attorney-client relationship.  
The Fair Credit Reporting Act (FCRA) requires the Credit Reporting Agencies (Equifax, Experian, and Trans Union, among others) to maintain the maximum possible accuracy of information stored on consumer credit reports. The FCRA is extremely important in today’s world because credit reports are used for many different purposes.  Credit reports are commonly used for determining credit worthiness, vetting job applicants, determining insurance rates, and conducting background investigations for military and other government security clearances.  A lower credit score or inaccurate credit information will eventually lead to paying higher interest rates, higher insurance rates, and may even cost you your dream job. Despite the FCRA requiring credit bureaus to maintain the maximum possible accuracy, studies have shown that the majority of consumers have inaccurate credit information contained in their credit files To help ensure the maximum possible accuracy, the FCRA provides consumers with the right to obtain a free credit report, dispute inaccurate credit information, and request that the credit bureaus re-investigate erroneous credit information.  When a consumer disputes inaccurate credit information, the credit bureaus have a duty to conduct a “reasonable re-investigation” to determine whether the information is accurate.  In many instances, credit bureaus violate the FCRA by failing to conduct a reasonable re-investigation in response to consumer disputes.  The most common credit reporting mistakes include: 1) Mixed credit files (another consumer’s information is appearing on your credit report); 2) Reporting accounts as “past due” or “defaulted” when all payments were made on time; 3) Showing that a paid debt has a balance still owing; and 4) Reporting the same derogatory account information in several different accounts simultaneously.  This often results from the original creditor and each subsequent debt buyer reporting the same account as being in default or past due in several different places on a credit report, thereby leading to the impression that the consumer has defaulted on several different accounts.  (For more information about “debt buyers” refer to the Fair Debt Collection Practices Act section of this site.). Robert Mitchell, Attorney at Law, PLLC, has successfully represented consumers in Fair Credit Reporting Act (FCRA) cases.  If you believe you have fallen victim to a credit reporting error, please telephone me today at 509-327-2224 or 360-993-5000, or email me at bobmitchellaw@gmail.com.  
FCRA
FCRA
Robert Mitchell Attorney at Law, PLLC Home FCRA FDCPA SCRA Testimonials Atty Bio Contact
© 2016 Robert Mitchell, Attorney at Law, PLLC
creditlaw101.com

Fair Credit Reporting Act (FCRA)

The Fair Credit Reporting Act (FCRA) requires the Credit Reporting Agencies (Equifax, Experian, and Trans Union, among others) to maintain the maximum possible accuracy of information stored on consumer credit reports. The FCRA is extremely important in today’s world because credit reports are used for many different purposes.  Credit reports are commonly used for determining credit worthiness, vetting job applicants, determining insurance rates, and conducting background investigations for military and other government security clearances.  A lower credit score or inaccurate credit information will eventually lead to paying higher interest rates, higher insurance rates, and may even cost you your dream job. Despite the FCRA requiring credit bureaus to maintain the maximum possible accuracy, studies have shown that the majority of consumers have inaccurate credit information contained in their credit files To help ensure the maximum possible accuracy, the FCRA provides consumers with the right to obtain a free credit report, dispute inaccurate credit information, and request that the credit bureaus re-investigate erroneous credit information.  When a consumer disputes inaccurate credit information, the credit bureaus have a duty to conduct a “reasonable re-investigation” to determine whether the information is accurate.  In many instances, credit bureaus violate the FCRA by failing to conduct a reasonable re-investigation in response to consumer disputes.  The most common credit reporting mistakes include: 1) Mixed credit files (another consumer’s information is appearing on your credit report); 2) Reporting accounts as “past due” or “defaulted” when all payments were made on time; 3) Showing that a paid debt has a balance still owing; and 4) Reporting the same derogatory account information in several different accounts simultaneously.  This often results from the original creditor and each subsequent debt buyer reporting the same account as being in default or past due in several different places on a credit report, thereby leading to the impression that the consumer has defaulted on several different accounts.  (For more information about “debt buyers” refer to the Fair Debt Collection Practices Act section of this site.). Robert Mitchell, Attorney at Law, PLLC, has successfully represented consumers in Fair Credit Reporting Act (FCRA) cases.  If you believe you have fallen victim to a credit reporting error, please telephone me today at 509-327- 2224 or 360-993-5000, or email me at bobmitchellaw@gmail.com.  

Robert Mitchell, Attorney at Law, PLLC, Serving:

Vancouver, Spokane, Seattle, Everett, Tacoma, Olympia, Tri Cities, Clark County, King County, Snohomish County, Pierce County, and the entire state of Washington; and Multnomah County, Marion County, Clackamas County, and the entire state of Oregon; and Fairchild Air Force Base, Joint Base Lewis-McChord, Bangor, Bremerton, and all servicemembers within the states of Washington and Oregon. This website is not legal advice and does not create an attorney-client relationship.  
FCRA
FCRA
Robert Mitchell Attorney at Law, PLLC
© 2016 Robert Mitchell, Attorney at Law, PLLC
creditlaw101.com
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The Fair Credit Reporting Act (FCRA) requires the Credit Reporting Agencies (Equifax, Experian, and Trans Union, among others) to maintain the maximum possible accuracy of information stored on consumer credit reports. The FCRA is extremely important in today’s world because credit reports are used for many different purposes.  Credit reports are commonly used for determining credit worthiness, vetting job applicants, determining insurance rates, and conducting background investigations for military and other government security clearances.  A lower credit score or inaccurate credit information will eventually lead to paying higher interest rates, higher insurance rates, and may even cost you your dream job. Despite the FCRA requiring credit bureaus to maintain the maximum possible accuracy, studies have shown that the majority of consumers have inaccurate credit information contained in their credit files To help ensure the maximum possible accuracy, the FCRA provides consumers with the right to obtain a free credit report, dispute inaccurate credit information, and request that the credit bureaus re- investigate erroneous credit information.  When a consumer disputes inaccurate credit information, the credit bureaus have a duty to conduct a “reasonable re-investigation” to determine whether the information is accurate.  In many instances, credit bureaus violate the FCRA by failing to conduct a reasonable re-investigation in response to consumer disputes.  The most common credit reporting mistakes include: 1) Mixed credit files (another consumer’s information is appearing on your credit report); 2) Reporting accounts as “past due” or “defaulted” when all payments were made on time; 3) Showing that a paid debt has a balance still owing; and 4) Reporting the same derogatory account information in several different accounts simultaneously.  This often results from the original creditor and each subsequent debt buyer reporting the same account as being in default or past due in several different places on a credit report, thereby leading to the impression that the consumer has defaulted on several different accounts.  (For more information about “debt buyers” refer to the Fair Debt Collection Practices Act section of this site.). Robert Mitchell, Attorney at Law, PLLC, has successfully represented consumers in Fair Credit Reporting Act (FCRA) cases.  If you believe you have fallen victim to a credit reporting error, please telephone me today at 509-327-2224 or 360-993- 5000, or email me at bobmitchellaw@gmail.com.  

Fair Credit Reporting Act (FCRA)

Robert Mitchell, Attorney at Law, PLLC, Serving:

Vancouver, Spokane, Seattle, Everett, Tacoma, Olympia, Tri Cities, Clark County, King County, Snohomish County, Pierce County, and the entire state of Washington; and Multnomah County, Marion County, Clackamas County, and the entire state of Oregon; and Fairchild Air Force Base, Joint Base Lewis-McChord, Bangor, Bremerton, and all servicemembers within the states of Washington and Oregon. This website is not legal advice and does not create an attorney-client relationship.