Credit report errors
A credit report that says things that aren't true
Credit bureaus and the companies that report to them have to investigate when you dispute an error, and fix what's wrong. Often they run the dispute through an automated system and send back a form letter.
We write disputes that are hard to ignore, and when a bureau or a lender still won't correct a report, we can sue. The law lets you recover damages and makes them pay your lawyer's fees.
Common errors we fix
Accounts that belong to someone else, or to a relative with your name
A debt you paid or settled, still showing as owed
The same debt listed twice by different collectors
Identity theft accounts the bureau refuses to remove
How we work on a report
Pull all three
We read your reports from each bureau side by side.
Dispute in writing
With the proof attached, sent so there is a record.
Hold them to it
If the error stays, we take the bureau or the lender to court.
Questions about credit reports
I already disputed online and it didn't work. Is it too late?
No. A failed dispute is often what makes a case. Save the letter they sent back.
Will fixing it raise my score?
Removing a wrong late payment or collection usually helps. We can’t promise a number.
Do I have to pay to dispute?
No. Disputing is free, and if we take your case, the law usually makes the company pay our fees.
A loan or apartment was denied because of the error. Does that matter?
Yes. A denial letter shows the error cost you something. Keep it.
Errors on your report? Send it to us.
Send the paperwork you have, or call and talk it through.
Lemon, debt-collection and credit-reporting laws often make the company pay the consumer's lawyer fees when the consumer wins. We advance filing fees and other case costs; if we recover nothing, you owe us neither fees nor costs.