MIchigan credit lawyers
Dispute Credit Report Errors - Free initial credit disputes
Get started today. For a consultation with an experienced consumer protection and credit lawyer you can call Attorney Nick Hadous at (313) 415-5559, send an email directly to Attorney Hadous, or fill out our Contact Form below.
Our free consultations can include real-time credit report review, and we can help you with a credit dispute with the credit bureaus.
Our knowledgeable credit attorneys have litigated some of the most common credit report errors in court, including inaccurate or wrong account information, inaccurate balance or amount owed, and identity theft errors. We can help you determine whether a bona fide credit report error exists, and help you dispute these errors with the consumer reporting agencies Equifax, Experian, and TransUnion (a.k.a. the credit bureaus) if you would like to submit a dispute to the credit bureaus.
We do not charge you a fee to dispute your credit report with the credit bureaus.
Credit report errors can be costly enough. You have a right to dispute inaccurate or incorrect information on your credit report under the Fair Credit Reporting Act (FCRA) without having to pay anyone be it a lawyer or so-called credit repair company. The credit bureaus do not charge you a fee to dispute credit report errors, so you should not have to pay anyone to help you dispute errors on your credit report. Therefore, Hadous|Co. does not charge a fee to help you with a credit report dispute to the credit bureaus.
What happens once I submit my credit report dispute?
After you submit your credit dispute, the credit bureaus typically have 30 days to respond in writing to your dispute. If the bureaus do not correct your credit report, you are able to sue the credit bureau and any "furnisher" of the disputed information, such credit card issuer or collection agency, for violations of the Fair Credit Reporting Act (FCRA).
Fair Credit Reporting Act (FCRA) rights.
When a credit bureau or furnisher of credit information refuses to report fair and accurate credit information in accordance with the Fair Credit Reporting Act (FCRA) or a credit bureau has reported credit report errors because of an unreasonable procedure , our credit lawyers can help you enforce these rights in court. Our fees in FCRA cases are usually contingent fees based on the amount of any recovery, meaning you will not owe us anything unless there is a recovery. In other words, we are only compensated by you from any recovery of damages from the defendant(s).
What's the catch?
There is none. Credit bureaus do not always correct credit report errors - even after a dispute and sometimes an unreasonable procedure could be the cause of your credit report error. Therefore, filing a lawsuit alleging violations of the FCRA may be necessary. We are aggressive, knowledgeable consumer litigation attorneys with the experience to represent and protect your rights in court. Our track record of successfully litigating FCRA cases is a matter of public record. Attorney Nick Hadous has authored continuing legal education content for ICLE regarding the FCRA and other consumer protection laws.
Does your credit report contain errors?
Recent studies suggest many consumers are unaware whether there are any errors on their credit reports. Read about five common credit report errors here. Unfortunately, many people do not become aware of a credit report error until they apply for credit or are denied credit because of a credit report error. Recent studies suggest that:
What can I expect if I dispute a credit report error?
It is important to realize that merely disputing a credit report error does not guarantee that this will fix your credit report error. You should be wary of credit repair companies or anyone promising instant credit relief, credit repair, or credit improvement, especially if they are charging you a fee for their services. Credit repair companies are subject to the Credit Repair Organization Act (CROA), which contains a list of requirements intended to protect consumers who pay companies to help with their credit. We do not offer "credit repair services," and only handle credit law matters to help you correct errors on your credit report based on protections found in the Fair Credit Reporting Act.
Identity theft lawyer. We have also represented consumers in identity theft cases where someone fraudulently opened an account using someone else's name. Identity theft is a growing issue as more data and personal information is stored online, in the cloud, or exchange through electronic means. If someone stole your identity or opened up a credit card in your name without your permission, this can be a harrowing experience. Identity theft lawyers can help you take the steps necessary to report the identity theft and if necessary to dispute the identity theft with the credit card company. Typically, this is done by disputing the identity theft through the credit bureaus, which then send notice of your identity theft dispute to the credit card company.
Beware of companies promising relief or instant credit relief.
Beware of credit repair companies or anyone promising to remove credit items from your credit report or to help you improve your credit score. These companies are strictly regulated by the Federal Trade Commission and the Credit Repair Organizations Act (CROA). If someone has promised you results, or if you are considering paying someone to help you dispute items on your credit report, we suggest you visit www.consumer.ftc.gov for more information. You can also read our blog post about debt settlement lawyers vs. debt settlement companies.
We offer attorneys' fees that are contingent on recovery in FCRA cases.
Should filing a lawsuit become necessary, our attorneys can handle your matter on a contingency basis, meaning we will not charge you attorneys' fees unless we recover monetary damages on your behalf. Congress recognizes the importance of fair and accurate credit reporting to our banking system and passed the Fair Credit Reporting Act in part to ensure the stability of our banking and credit system. Since many individuals are unable to pay an attorney up front to represent them in court, the Fair Credit Reporting Act permits consumers to recover, among other things, attorneys' fees for violations of the Fair Credit Reporting Act.
Our free consultations can include real-time credit report review, and we can help you with a credit dispute with the credit bureaus.
Our knowledgeable credit attorneys have litigated some of the most common credit report errors in court, including inaccurate or wrong account information, inaccurate balance or amount owed, and identity theft errors. We can help you determine whether a bona fide credit report error exists, and help you dispute these errors with the consumer reporting agencies Equifax, Experian, and TransUnion (a.k.a. the credit bureaus) if you would like to submit a dispute to the credit bureaus.
We do not charge you a fee to dispute your credit report with the credit bureaus.
Credit report errors can be costly enough. You have a right to dispute inaccurate or incorrect information on your credit report under the Fair Credit Reporting Act (FCRA) without having to pay anyone be it a lawyer or so-called credit repair company. The credit bureaus do not charge you a fee to dispute credit report errors, so you should not have to pay anyone to help you dispute errors on your credit report. Therefore, Hadous|Co. does not charge a fee to help you with a credit report dispute to the credit bureaus.
What happens once I submit my credit report dispute?
After you submit your credit dispute, the credit bureaus typically have 30 days to respond in writing to your dispute. If the bureaus do not correct your credit report, you are able to sue the credit bureau and any "furnisher" of the disputed information, such credit card issuer or collection agency, for violations of the Fair Credit Reporting Act (FCRA).
Fair Credit Reporting Act (FCRA) rights.
When a credit bureau or furnisher of credit information refuses to report fair and accurate credit information in accordance with the Fair Credit Reporting Act (FCRA) or a credit bureau has reported credit report errors because of an unreasonable procedure , our credit lawyers can help you enforce these rights in court. Our fees in FCRA cases are usually contingent fees based on the amount of any recovery, meaning you will not owe us anything unless there is a recovery. In other words, we are only compensated by you from any recovery of damages from the defendant(s).
What's the catch?
There is none. Credit bureaus do not always correct credit report errors - even after a dispute and sometimes an unreasonable procedure could be the cause of your credit report error. Therefore, filing a lawsuit alleging violations of the FCRA may be necessary. We are aggressive, knowledgeable consumer litigation attorneys with the experience to represent and protect your rights in court. Our track record of successfully litigating FCRA cases is a matter of public record. Attorney Nick Hadous has authored continuing legal education content for ICLE regarding the FCRA and other consumer protection laws.
Does your credit report contain errors?
Recent studies suggest many consumers are unaware whether there are any errors on their credit reports. Read about five common credit report errors here. Unfortunately, many people do not become aware of a credit report error until they apply for credit or are denied credit because of a credit report error. Recent studies suggest that:
- Less than half of consumers obtain annual credit reports.
- Consumers who filed credit report disputes experienced some modification to their credit report.
What can I expect if I dispute a credit report error?
It is important to realize that merely disputing a credit report error does not guarantee that this will fix your credit report error. You should be wary of credit repair companies or anyone promising instant credit relief, credit repair, or credit improvement, especially if they are charging you a fee for their services. Credit repair companies are subject to the Credit Repair Organization Act (CROA), which contains a list of requirements intended to protect consumers who pay companies to help with their credit. We do not offer "credit repair services," and only handle credit law matters to help you correct errors on your credit report based on protections found in the Fair Credit Reporting Act.
Identity theft lawyer. We have also represented consumers in identity theft cases where someone fraudulently opened an account using someone else's name. Identity theft is a growing issue as more data and personal information is stored online, in the cloud, or exchange through electronic means. If someone stole your identity or opened up a credit card in your name without your permission, this can be a harrowing experience. Identity theft lawyers can help you take the steps necessary to report the identity theft and if necessary to dispute the identity theft with the credit card company. Typically, this is done by disputing the identity theft through the credit bureaus, which then send notice of your identity theft dispute to the credit card company.
Beware of companies promising relief or instant credit relief.
Beware of credit repair companies or anyone promising to remove credit items from your credit report or to help you improve your credit score. These companies are strictly regulated by the Federal Trade Commission and the Credit Repair Organizations Act (CROA). If someone has promised you results, or if you are considering paying someone to help you dispute items on your credit report, we suggest you visit www.consumer.ftc.gov for more information. You can also read our blog post about debt settlement lawyers vs. debt settlement companies.
We offer attorneys' fees that are contingent on recovery in FCRA cases.
Should filing a lawsuit become necessary, our attorneys can handle your matter on a contingency basis, meaning we will not charge you attorneys' fees unless we recover monetary damages on your behalf. Congress recognizes the importance of fair and accurate credit reporting to our banking system and passed the Fair Credit Reporting Act in part to ensure the stability of our banking and credit system. Since many individuals are unable to pay an attorney up front to represent them in court, the Fair Credit Reporting Act permits consumers to recover, among other things, attorneys' fees for violations of the Fair Credit Reporting Act.