FCRA Summary

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Under the new Fair Credit Reporting Act, you can dispute inaccurate information with a credit reporting agency (CRA) and/or the creditor that put a debt on your credit report. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items within 30 days. Most of the cases we take under the FCRA originate from the failure of the CRA to properly investigate your dispute or the creditors refusal to honor your complaint. Please contact our office right away if you need a Free Dispute Letter to eliminate any Identity Theft or credit inaccuracies.

With the Dispute Letter you can dispute inaccurate items with the source of the inaccurate information. We regularly handle Identity Theft cases for our clients and clean up their credit with the dispute letter. If you tell anyone--such as a creditor who reports to the CRA--that you dispute an item, they may not then report the information to a CRA without including a notice of your dispute. In addition, once you have notified the source of the error in writing, it may not continue to report the information if it is, in fact, an error. Please contact our office right away if you need a Free Dispute Letter and we will show you how to dispute and how to clean up your credit if you are ignored by the CRAs or debt collectors.

Also, no one can contact your credit or make an inquiry without your permission. A CRA may provide information about you only to people with a need recognized by the FCRA-usually to consider an application with a creditor, insurer, employer, landlord, or other business. A CRA may not give out information about you to your collection agencies you have no relationship with, creditors of relatives, utility companies, employer, or prospective employer, without your written consent. A CRA may not report medical information about you to creditors, insurers, or employers without your permission.

If someone has contacted your credit without permission or what is called a Permissable Purpose. That is a breach of your credit privacy and you have a case against the persons who have viewed your credit history under the new FCRA.

When it is Identity Theft, contacting your credit illegally or credit inaccuracies, we can may seek damages for you if a CRA, or credit user (debt collector or creditor) violates the FCRA. We seek money damages, sometimes debt deletion and any attorney fees and costs paid for by the debt collector, creditor or CRA. That is why we are your FreeCreditCleaner.