CONTACT US!Credit Report Disputes Lawyer - Kathi Rawls (Oklahoma City, OK)

Credit Report Disputes

Fair Credit Reporting

The Fair Credit Reporting Act (FCRA) is a federal law that regulates consumer reporting agencies (CRAs) and consumer credit reports.  A CRA is a business that provides credit reports to other persons.  Credit reports are reports that detail your creditworthiness, credit standing, credit capacity, and can include public records which reflect upon your general reputation.

ORDERING COPIES OF YOUR CREDIT REPORT

You are entitled to a copy of your credit report from each CRA if,

1) You have been denied credit or

2)  Once a year regardless of your credit. 

ORDER BY MAIL

Download the form below, complete it as directed and mail to the following address: 

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

ORDER BY PHONE

To Request your Credit Report by Phone:
  • Call 1-877-322-8228
  • You will go through a simple verification process over the phone.
Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.

 

To Request your Credit Report by Mail:
  1. Download the request form (You need an Adobe viewer to view the requested form. Download the free Adobe viewer)
  2. Print and complete the form
  3. Mail the completed form to:

    Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281
Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.
 
IN YOUR CREDIT REPORT

If the information listed in your credit report is wrong, you have the right to dispute the information with the CRA and the creditor that is reporting the inaccurate information.

Examples of inaccurate information in a credit report:

  • Date of Default is wrong;
  • Defaulted Amount is wrong;
  • Account is not yours;
  • Account reported with a balance that was previously paid in full;
  • Account reports with late payments when all payments were made timely;
  • Account opened as a result of identity theft.

If you think there are errors or incorrect information you should send a dispute letter to each CRA from whom you have ordered, received, and reviewed a copy of your report . This letter should be sent by certified mail with return receipt requested.

Certified Mail Receipts proove that the CRA has received notification of the errors.  ONLY THEN does the CRA have an obligation to investigate and possibly remove the inaccurate information.   Keep copies of the return receipt and the letter you sent.

What to do if the disputed information is not corrected

If the inaccurate information is not corrected by the CRA's, then you may be entitled to file a lawsuit against the CRA or the company that is providing the inaccurate information to the CRA.

WARNING: Your right to file a lawsuit does have a deadline.

Please contact our office for a FREE PHONE CONSULTATION at 405-912-3225.