Protecting the Rights of Consumers For Over 25 Years

Chicago Credit Reporting Lawyers

Protecting You from Credit Report Inaccuracies & Violations

The Chicago consumer protection lawyers at Edelman Combs Latturner & Goodwin, LLC recommend that all consumers learn how to manage their own credit reports.

  • If you have applied for a line of credit and been denied or if information on your credit report is inaccurate, you have the right to request that the appropriate consumer reporting agency corrects the inaccuracies.
  • If an investigation does not resolve your dispute with the consumer reporting agency, you have the right to submit a written statement to be included in your file.

What Are My Rights?

The Fair Credit Reporting Act passed by U.S. Congress in 1970 gives consumers specific rights in dealing with consumer reporting agencies. Consumer reporting agencies and background check companies – such as Equifax, Experian, TransUnion, Innovis, HireRight, and LEXIS – keep detailed records on your financial life.

Their records include:

  • How you pay your bills
  • Whether you’ve been sued or arrested
  • Whether you have filed for bankruptcy

These records are easily accessed by creditors, potential employers, and banks.

If you believe your rights regarding your credit report have been violated, you will want a skilled Chicago consumer rights attorney by your side. Count on the team at ECLG to represent your best interest and fight for your rights.

Schedule a free consultation with Edelman Combs Latturner & Goodwin, LLC today. Call us at (312) 626-3585.

Upholding the Laws Regarding Credit Reports

Consumer reporting agencies may generally report unfavorable information about you for up to seven years, with some exceptions. Credit reports are to be made available only to those with specified permissible purposes. Employers must have your written permission to access your consumer report. These and other rules concerning credit reports are intended to protect consumers’ legal rights.

If you believe that a consumer reporting agency has violated your rights, we recommend that you contact our respected Chicago consumer rights attorneys right away. In some cases, a consumer reporting agency, individual, or organization that has violated the Fair Credit Reporting Act must pay damages and your attorneys’ fees. During a free consultation with our team, we can assess your situation and recommend the best course of action.

Contact Edelman Combs Latturner & Goodwin, LLC today by calling (312) 626-3585. Se habla español.

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