Protecting the Rights of Consumers For Over 25 Years

Credit Reporting Errors Attorney in Chicago

Righting the Wrongs against You

Have you been turned down for credit or been forced to pay higher interest rates as a result of credit reporting errors? Are you the victim of identity theft or has your credit report been merged with somebody else’s?

If you have tried unsuccessfully to get a credit bureau to remove errors from your credit report, the experienced Chicago consumer protection attorneys at Edelman Combs Latturner & Goodwin, LLC can help resolve your credit reporting problem. We have successfully represented many consumers in cases against credit bureaus and the companies that supplied the inaccurate information to them. Using the Fair Credit Reporting Act and other consumer protection statutes, we have filed cases that have resulted in credit report corrections and financial damages for many of our clients. Our team may be able to recover damages to compensate you for the harm caused by these credit reporting errors.

Get started on your case now. Call ECLG at (312) 626-3585.

Evaluating Your Case

At Edelman Combs Latturner & Goodwin, LLC, we offer free consultations so that you can meet with us and discuss your case before moving forward. We understand that the laws regarding credit reports and reporting errors can be complex and overwhelming, so we strive to clarify the process for you and guide you in the right direction.

To make a sound assessment of your case and possible legal solutions, we will need:

  • Copies of all credit reports containing the inaccurate information and any previous credit reports you may possess
  • Copies of all dispute letters you wrote to the credit bureaus or creditors and any responses you received
  • Copies of all documents that prove the information you are disputing is indeed inaccurate
  • Copies of all documents that prove you have suffered damages as a result of the reporting errors – this includes letters turning you down for credit, notices of interest rate hikes, medical bills for stress-related ailments, and other damages

Most credit reporting errors can be fixed by going through the dispute process. If the information you are disputing is truly wrong and the credit bureaus have refused to correct it, we would recommend consulting with our firm. You should beware of credit repair companies that dispute everything that is derogatory on your credit report, regardless of whether it is accurate or not.

Types of Errors on Your Credit Reports

There are a variety of ways that credit bureaus can make mistakes on your credit report. It is important to pay close attention to your credit reports to make sure all the information is correct. Checking your report frequently can increase your chances of noticing when something is wrong.

Some possible errors on credit reports include:

  • Inaccurate entries: The credit bureaus sometimes misreport information from public court records – such as reporting a judgment in your favor as a judgment against you. The credit bureaus may also mistakenly report a debt that has been settled as unpaid, a debt as included in a bankruptcy when it was not, a debt paid on time as late, and other such errors.
  • Mixed credit files: Sometimes the credit bureaus combine all or part of your credit file with the file of another person with a similar name and/or Social Security number. If that person has credit problems, your credit score may drop dramatically.
  • Out-of-date entries: There are limits on how long derogatory items can remain on your credit reports. In general, a derogatory item must be removed seven years after the date of last activity.

Contact Our Chicago Credit Reporting Attorneys

At Edelman Combs Latturner & Goodwin, LLC, we understand that credit reporting errors are frustrating and damaging. Our team of legal professionals has the experience needed to correct these problems and ease your burden. We are on your side.

Reach out to us online or by phone at (312) 626-3585. Se habla español.

Schedule Your Free Consultation

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