FAIR CREDIT REPORTING

Common Credit Report Violations

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, it can cause a lower credit score, denial of credit, higher interest rates on loans and credit extensions, and more. It’s important to recognize when the FCRA has been violated, so you can take action and prevent harm to your credit. This article describes some of the more common FCRA violations.

Common Credit Report Violations, or violations of the FCRA include inaccurately reporting negative credit reporting information on consumer credit reports in the following ways:


  • Re-aging – reporting the date of originally delinquency later in time than when the delinquency actually occurred;


  • Post Bankruptcy Collections – a furnisher must properly report the filing and discharge of a consumer bankruptcy and its effect on the account;


  • Multiple Reporting – A furnisher cannot report the same account numerous times, in correctly convening that the consumer has multiple accounts with the furnisher, all of which are delinquent.


FREE ERRONEOUS CREDIT REPORT EVALUATION

Please fill out the form below and click on the “Submit” button at the bottom of the form.  By doing so, you will be providing us with the basic information we need to contact you and assist you with a fair credit reporting problem you may be having.  You should hear from us within one business day of submitting this information, but usually much faster.  There is no charge for this evaluation.

This is not a substitution for a telephone or in-person interview with you, both of which are FREE.  Once we have this information, we will call you and discuss our views over the phone or setup an in-person interview.  If you do not hear from us within one business day of submitting this information please contact our office at 952-225-5333.

By submitting a free case evaluation, you understand and agree that this is for an informational request and request for a free case evaluation. No attorney-client relationship is created by merely submitting an inquiry through this website.

  • Your Information

    The information requested here is confidential and will never be shared with anyone.
  • Our Understanding With You

    DISCLAIMER - I understand that I am only requesting a free evaluation, and that by doing so Hyde & Swigart and I are not creating a business or legal relationship between us. This will only happen if we both agree to this later. Further, I also understand that if I do not hear from Hyde & Swigart within one business day after I send this I should call them at (952) 225-5333 to be sure they received this information.
  • Credit Report Information

  • Problems I Am Having

  • What is the issue? (Describe The Problem Here. This is not required.

EXPLORE OUR PRACTICE AREAS

DISCLAIMER

Hyde & Swigart has helped thousands of consumers in Minnesota, California, Arizona, Nevada, Washington, Colorado, Michigan, Texas, Illinois, and Washington DC with their legal issues, and we have never seen two cases that were identical. You should never assume your situation is the same as something that is described on this web site, or that you read elsewhere on the Internet. Each situation is unique, and in our opinion, each situation needs to be thoroughly and independently reviewed by a competent consumer rights attorney. While we are happy to do that for you for free, we cannot do that solely on this web site. Even our evaluation forms are mere starting points. You should never assume your case, your situation, or your set of facts, are covered in their entirety by this web site. If you have questions about your potential case, we will be glad to discuss them with you at no charge. However, do not act, or fail to act, simply because of something you read or see on this web site. Click here to read more.