Fair Credit Reporting Defense
When it comes to our consumer law division, Hofer Hagan LLP often works with consumers who are victims of credit discrepancies on their credit reports. If your pleas are falling on deaf ears at the three big agencies, let our credit repair lawyers help. Contact us at (317) 349-0887 or request a consultation now. Based in Indiana, we serve cities throughout the state.
Need a Lawyer to Fix Your Credit?
In addition to defending against unfair debt collection practices, Hofer Hagan stands up for consumers experiencing disputes over their credit rating. As attorneys upholding the Fair Credit Reporting Act, we assist clients in litigation. Let’s consider how this might work.
- Perhaps you have made your loan payments on time, paid a debt in full, settled a debt, or discharged a debt through bankruptcy. By law, the creditor is required to inform the three national credit bureaus (Experian, TransUnion, and Equifax) and supply them with this updated information and your improved, updated credit score. Creditors do not always do this in a timely manner, and that can reflect negatively on your credit rating.
- In this second scenario, the creditor has correctly reported your new credit score, but Experian, TransUnion, and Equifax have not updated their software. All three of these institutions use outdated software based on 1980s and 1990s software architecture. Mistakes frequently happen, and unless you bring a lawsuit against them, it can be very difficult for the average consumer to get them to update their records.
- Another issue that frequently happens — again due to the big three’s outdated systems — is the credit reporting agencies intermingle files of different people who have the same name. So, your good credit rating becomes entangled with another person of the same name who has a bad credit record. Subsequently, your credit rating significantly drops. Again, it is very difficult to get the agency to fix their mistake. They will falsely claim the problem is not theirs, saying that someone is trying to steal your identity and is causing the problem.
In all these cases, our FCRA attorneys can file a lawsuit against them and win a judgment and damages for our clients.
List of Services
At Hofer Hagan we offer a full range of legal services to our clients.
Why Choose Us
Serving auto dealerships nationwide by identifying problems and finding solutions.
Making legal services affordable to even the smallest businesses.
Handling solar panel litigation against Pink Energy and other companies.
Representing everyday Americans against consumer fraud.
Request A Consultaton Today
Don’t let unfair credit reporting damage your credit and hamper your financial options. The credit repair lawyers of Hofer Hagan are ready to clear up the mess and get you the damages you deserve. Request a consultation or contact us at (317) 349-0887. Based in Indiana, our credit repair lawyers serve Fishers, Carmel, Lawrence, Greenwood, and the surrounding areas.
