100% Free Legal Service — We Sue Credit Report Bureaus on Your Behalf

Your credit score and credit history are everything!!!

We love to review our clients’ credit reports and scores for FREE!!!

Most bankruptcy firms consider their representation complete once a debtor receives their discharge. However, in our 33 years of experience, we have seen the discharge can be just the beginning of credit problems.

Many creditors and collection companies purposely leave derogatory and inaccurate information on a person’s credit report. They do this in hopes the individual will pay the debt at a later date.

Although this is illegal, it happens consistently, purposefully, and every day!!

There is help! The United States Government created a federal law to help. It is called The Fair Credit Reporting Act.

This law requires a creditor and the credit reporting companies to fix any inaccurate information within 30 days of being notified of the problem. Many common inaccuracies include:

  • Reporting an account as active when it was closed
  • Re-aging or re-reporting debts once they have reached their maturity (which for most debts is seven years)
  • Failing to report a debt as disputed once the culprits have been notified of the problem
  • Listing a debt as “owed by you” when you never had dealings with the creditor
  • Reporting information as past due when you have always been current
  • And my personal favorite, failing to show a debt as discharged in bankruptcy when it was clearly included in the bankruptcy.

Why should you care if your information is correct?

Only by correcting bad information will your credit score and chances to obtain credit improve.

Did you know your credit report and score affect your chances with the following:

  • Obtaining an apartment
  • Procuring employment (your prospective employer might require running a credit report before offering you a job).
  • What type of insurance you qualify for and the price you will pay for the insurance.
  • Whether you qualify for a car or house loan and the interest, you will pay

This is one of the many reasons our firm is different than our competitors. We care about our clients long after the discharge has been granted. We love to help our clients obtain the best possible fresh start by reviewing our clients’ credit reports after discharge. If there is a problem, we will fix it for FREE!

Frequently Asked Questions

Q1: What legal services do you offer for credit report violations?
A1: Our Indianapolis bankruptcy law offices specialize in helping clients with credit report violations under the FCRA. We represent individuals whose credit reports contain inaccurate or derogatory information, often after a bankruptcy discharge. Our goal is to ensure your credit history is correct and to pursue action against creditors or credit bureaus that fail to comply with federal law.

Q2: Do you offer free assistance with credit report issues?
A2: Yes, absolutely! We provide 100% free legal service for credit report violation cases. We also offer complimentary reviews of your credit reports and scores. Our team enjoys helping clients understand their credit situation and identify any inaccuracies without any upfront cost to you.

Q3: What is the Fair Credit Reporting Act (FCRA)?
A3: The Fair Credit Reporting Act (FCRA) is a crucial federal law established by the U.S. Government. It’s designed to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. This law grants consumers rights, including the right to dispute inaccurate information on their credit reports.

Q4: Why do inaccurate items often remain on credit reports after bankruptcy?
A4: Unfortunately, many creditors and collection companies sometimes intentionally leave incorrect or derogatory information on credit reports, even after a debt has been discharged in bankruptcy. They might do this hoping individuals will eventually pay the debt. While illegal, it’s a persistent issue that our experienced attorneys are dedicated to addressing.

Q5: What are some common credit report inaccuracies you can help fix?
A5: We frequently assist clients with various inaccuracies. Common examples include accounts incorrectly reported as active after they’ve been closed, or debts that are “re-aged” or “re-reported” beyond their legal maturity. Our team works to identify these and other errors to ensure your credit report accurately reflects your financial situation.

Q6: How long does it take for credit reporting companies to correct errors?
A6: Under the Fair Credit Reporting Act (FCRA), once a credit reporting company or creditor is notified of inaccurate information, they are legally required to investigate and fix the problem within 30 days. Our legal team can help ensure these companies adhere to this timeframe and correct any errors promptly.