MIchigan credit lawyers
Dispute Credit Report Errors - Free initial credit disputes
Get started today. For an immediate consultation with an experienced consumer protection attorney you can call or send a text message to Attorney Nick Hadous at (313) 415-5559, send an email directly to Attorney Hadous, or fill out our Contact Form below.
Our free consultations include real-time credit report review, and free initial credit disputes with the credit bureaus.
Our knowledgeable credit attorneys have litigated some of the most common credit report errors in court. 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).
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). 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 prepare 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 have the right 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), our credit lawyers can help you enforce these rights in court. Our fees are always contingent, meaning you will not owe us anything unless there is a recovery. In other words, we are only compensated 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. Therefore, filing a lawsuit alleging violations of the FCRA may be necessary, and our hope is you will allow us to represent you in that lawsuit. We are aggressive consumer litigation attorneys with the knowledge and experience to protect your rights in court. Our track record of successfully litigating FCRA cases is a matter of public record. We are so confident in our ability to help you that we even advance the cost of filing the lawsuit.
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.
What can I expect if I dispute a credit report error?
It is important to realize that merely disputing your credit does not improve your credit score. You should be wary of companies promising instant credit relief or credit improvement, especially if these companies charge you a fee for their services.
Beware of companies promising relief or instant credit relief.
Beware of credit repair companies or companies promising to remove credit items or improve your credit score. These companies are strictly regulated by the Federal Trade Commission and the Credit Repair Organizations Act. 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 for 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 attorneys' fees for violations of the Fair Credit Reporting Act.
Our free consultations include real-time credit report review, and free initial credit disputes with the credit bureaus.
Our knowledgeable credit attorneys have litigated some of the most common credit report errors in court. 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).
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). 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 prepare 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 have the right 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), our credit lawyers can help you enforce these rights in court. Our fees are always contingent, meaning you will not owe us anything unless there is a recovery. In other words, we are only compensated 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. Therefore, filing a lawsuit alleging violations of the FCRA may be necessary, and our hope is you will allow us to represent you in that lawsuit. We are aggressive consumer litigation attorneys with the knowledge and experience to protect your rights in court. Our track record of successfully litigating FCRA cases is a matter of public record. We are so confident in our ability to help you that we even advance the cost of filing the lawsuit.
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.
- 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 your credit does not improve your credit score. You should be wary of companies promising instant credit relief or credit improvement, especially if these companies charge you a fee for their services.
Beware of companies promising relief or instant credit relief.
Beware of credit repair companies or companies promising to remove credit items or improve your credit score. These companies are strictly regulated by the Federal Trade Commission and the Credit Repair Organizations Act. 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 for 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 attorneys' fees for violations of the Fair Credit Reporting Act.