Credit Protections Under FCRA:

 

  • Privacy Protection – A consumer reporting agency may only provide information about you to people with a valid need – usually a
  • Landlord
  • Creditor
  • Insurer
  • Employer
  • Accuracy of Information – You have the right to dispute inaccurate or incomplete information in your file with the consumer reporting agency and the agency must investigate your legitimate dispute.
  • Timeliness of Information – In most cases, a consumer reporting agency may not report negative information that is more than seven (7) years old, or bankruptcies that are more than 10 years old.
  • Access to Information – You have the right to know what is in your file. You are entitled to a free disclosure
  • Once every 12 months – www.annualcreditreport.com
  • A person has taken an adverse action against you because of information on your credit report.
  • You are the victim of identity theft and place a fraud alert on your file.
  • Your file contains inaccurate information as a result of fraud.
  • You are unemployed but expect to apply for employment within 60 days.

I utilize simple technology to allow us to meet and share documents remotely. You will get the same service as if you came into my physical office and you will be able to get the protections afforded through bankruptcy while in your own home.

 

Call or Request a Consult below to find out how. All calls are forwarded to my personal cell phone; if I am unable to answer, please leave a message and I will return your call as soon as I am able to.