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Every day, many consumers’ rights are being violated by individuals and big corporations. Banks, lenders, employers, debt collectors, credit repair agencies, so on and so forth. Many consumers have to face these institutions and individuals by themselves, not realizing there are laws enacted to protect them and their livelihood.
It is important that you educate yourself on your rights when dealing with these people and corporations. Knowing the law can save you hundreds, if not thousands of dollars, while also retaining your peace of mind and dignity.
It is crucial that you get a trusted consumer rights attorney on your side, if you feel that your rights have been violated. And it is of no cost to you as we offer free case reviews. We get paid, when you do. So contact us now, or fill out our online form to represent you in consumer matters.
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CREDIT REPORT ERRORS?
Under the Federal Credit Reporting Act, credit report errors can be disputed. Click here to learn more.
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We are committed to bringing our clients the peace of mind they deserve. Contact us for a free case review.
Texts or RoboCalls?
Companies are not allowed to call you without your permission. Click here to learn more.
Debt collectors are not exempt from the law. The FDCPA ensures you have rights. Click here to learn more.
Making sure you know how to deal with identity theft is crucial. Click here to learn more.
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Your credit report can influence your purchasing power, as well as your opportunity to get a job, rent or buy an apartment or a house, and buy insurance. When negative information in your report is accurate, only the passage of time can assure its removal.
A credit reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years.
Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.
There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance. There is a standard method for calculating the seven-year reporting period. Generally, the period runs from the date that the event took place.
If you are having problems paying your bills, contact your creditors immediately. Try to work out a modified payment plan with them that reduces your payments to a more manageable level. Don’t wait until your account has been turned over to a debt collector.
Here are some additional tips for solving credit problems:
- If you want to dispute a credit report, bill or credit denial, write to the appropriate company and send your letter “return receipt requested.”
- When you dispute a billing error, include your name, account number, the dollar amount in question, and the reason you believe the bill is wrong.
- If in doubt, request written verification of a debt.
- Keep all your original documents, especially receipts, sales slips, and billing statements. You will need them if you dispute a credit bill or report. Send copies only. It may take more than one letter to correct a problem.
- Be skeptical of businesses that offer instant solutions to credit problems: There aren’t any.
- Be persistent. Resolving credit problems can take time and patience.
- There is nothing that a credit repair company can charge you for that you cannot do for yourself for little or no cost.
If you’re not disciplined enough to create a workable budget and stick to it, work out a repayment plan with your creditors, or keep track of mounting bills, consider contacting a credit counseling organization. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But not all are reputable.
For example, just because an organization says it’s “nonprofit,” there’s no guarantee that its services are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high fees, or hide their fees by pressuring consumers to make “voluntary” contributions that only cause more debt.
Click here to get more information on consumer issues or contact our firm at 718-674-1245.
Once you’ve had a chance to fix your credit, there are several actions you can take to maintain your healthy credit. By keeping your credit status strong, you’ll have more opportunities for low interest rates, and loan and credit card approvals.
Limit the number of hard inquiries: Soft inquiries don’t impact your credit, like when you check on your own credit score. Hard inquiries can affect your score — and occur when you apply for a loan or new credit card. Too many hard inquiries in a short period of time, such as a couple of months, can make you seem riskier and, therefore, can negatively impact your score.
Set up auto-payments: Whether you’re paying the full balance or making a minimum payment, make sure your payments are on time. Log in online to your credit card, loan and utility accounts to set up automatic payments. This ensures you pay on time and gives you one less thing to worry about.
Keep old accounts open: Even if you don’t use a certain credit card very often but have had the account open for a while, don’t close it. Older accounts show that you’ve maintained a healthy payment history with creditors — making you appear more creditworthy.
Aim for a mix: Maintaining a mix of different types of credit can give your score a boost, such as paying on a car loan, credit card and mortgage all at once. Just be sure you can make timely payments before opening new accounts or borrowing additional money.
Monitor your credit report: Review your credit report at least twice a year to ensure there are no additional errors. If you find something wrong on your credit report and you already have disputed and there are no actions taken. You may contact our firm to help you fix your credit report problems.
CREDIT DISPUTES BY TELEPHONE
Each of the major credit bureaus (Experian, Equifax, and Trans Union) allow consumers to dispute information on their credit report by phone.
Disputing by phone has the advantage of being a quicker and sometimes easier process than writing a dispute letter.
COMPLICATIONS OF DISPUTING BY TELEPHONE
Even though the credit reporting agencies offer you the opportunity to dispute by telephone, these disputes present problems. First, and most importantly, unless you record your conversation, you will not have any evidence of what was disputed or the information you provided to the credit bureau. In the event of a lawsuit, this can present serious evidentiary hurdles, especially if the credit bureau denies that you called or raised a particular issue.
Second, phone disputes do not provide consumers with the chance to submit supporting documentation. In many instances, documents proving your position can be helpful for the credit bureaus, as well as jurors. If you choose to dispute by phone, you lose the opportunity to show that your position is correct.
Phone calls may be used as a means of following up on a prior credit dispute. If you decide in favor of a credit dispute by phone, make sure to preserve the evidence of the call, such as recording, making notes, and keeping a call log. Check your state laws covering the recording of phone calls or consult a local attorney to find out if this is legal.
Our experienced identity theft and credit reporting lawyers can let you know if you are ready to sue the credit bureaus and banks who have ruined your credit.
HOW WE CAN HELP YOU
No matter where you are in the dispute process and how much help you need, The Tariq Law Firm, PLLC is ready. If you need help to coach you throughout the whole process and if you have already finished your disputes, you may be ready to file a lawsuit.
The Tariq Law Firm, PLLC, consumer law attorneys, offer free consultations to those who are struggling to have credit bureaus fix incorrect information on their credit reports.
Call us at (718) 674-1245 or complete our online form to schedule a consultation.
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Consumer’s rights are violated every day by big corporations and employers, and it is imperative that you get a trusted Consumer Rights Attorney on your side to help you fight for damages you are entitled to. We provide free case reviews, and we do not take a single dime from you! When you win, we win! Get in touch with us today!
Main Office: 34-18 Northern Blvd Suite 2-25 Long Island City, NY 11101
Phone: (516) 900-4529