Your credit report plays a major role in your ability to obtain financing, whether you are applying for a mortgage, an auto loan, a credit card, or another line of credit. Unfortunately, many people only discover errors in their report when they need credit the most.
A credit reporting attorney in Greenville can help you dispute inaccurate and/or fraudulent information appearing on your credit reports. Contact Hays Cauley, P.C., to learn how the Fair Credit Reporting Act gives you the legal tools to take back control of your credit.
Why Choose Hays Cauley, P.C.?
For 30 years, Penny Hays Cauley has helped consumers resolve identity theft and inaccurate credit reporting issues. Her firm brings decades of focused experience to every case, and knows exactly how the credit reporting agencies operate and how to hold them accountable when they fail to follow the FCRA.
Investigating and Reviewing Reports
The first step toward fixing your credit is knowing exactly what is on it. Hays Cauley, P.C. can help you. The first step is to obtain copies of your credit reports which you can do through www.annualcreditreport.com. Once you have your credit reports from Equifax, Experian, Trans Union, LexisNexis, or one of the many other credit reporting agencies, Hays Cauley, P.C. can review those reports with you to uncover any inaccurate and/or fraudulent information that may be negatively impacting your credit, your ability to rent a place to live, or your ability to get a job:
- Accounts that do not belong to you
- Accounts that were fraudulently used without your knowledge
- Mixed file errors resulting from your data being combined with another consumer’s data
- Inaccurate criminal records appearing on your background check
- Fraudulent rental debts appearing in your name
Disputing Errors
Filing a dispute with a credit bureau sounds simple, but the process is designed to favor the companies, not you. Bureaus frequently conduct minimal investigations, rely on automated systems, and send back generic responses that do little to resolve the actual problem.
Identity Theft Protection
Identity theft does not end once you discover it. Fraudulent accounts can reappear on your report months or even years after you think the matter is settled, and bureaus frequently reinsert information that was previously removed. Hays Cauley, P.C. works to shut down these recurring violations and hold the responsible parties liable for the ongoing damage to your credit.
Filing Litigation
When credit bureaus, creditors, or other furnishers of information refuse to fix or delete inaccurate information, litigation is the only path to get your reports corrected. Under 15 U.S.C. §1681n, Hays Cauley, P.C. is prepared to take your case to court when companies refuse to follow the law and remove the inaccurate and/or fraudulent information appearing on your reports
Securing Compensation
A successful FCRA claim can recover more than just a corrected report. The law provides several forms of relief for consumers harmed by inaccurate credit reporting:
- Actual damages for denials of credit, lost housing, lost or delayed employment, higher interest rates on loan, and/or higher insurance rates
- Statutory damages between $100 and $1,000 per willful violation
- Punitive damages for reckless or intentional misconduct
- Attorney fees and court costs
Contact a Trusted Credit Reporting Attorney in Greenville
Credit reporting violations carry strict filing deadlines and letting those windows close means losing your ability to recover damages altogether. Call Hays Cauley, P.C. at 843-665-1717 or contact us online to schedule a free consultation with a credit reporting attorney in Greenville who will examine your reports, build a strategy to correct all inaccurate and/or fraudulent information, and pursue the full compensation you are entitled to under the law.