Dedication. Transparency. Results.
Fair Credit Reporting Act
Tampa FCRA Lawyer
Helping Correct Inaccurate Credit Reports Throughout Florida
Life is a lot harder to live if you have a low credit score, which is why it’s worth it to be vigilant for errors, mistakes, or even evidence of fraud that’s keeping your score down. You are protected against these things by The Fair Credit Reporting Act, and Justice Litigation Attorneys in Tampa can help you assert your rights to make sure your credit report is clear of inaccuracies that may be costing you more money than you know.
Questions about the Florida FCRA? Don't hesitate to reach out to Justice Litigation Attorneys today.
Reach Out to Justice Litigation Attorneys Online
Why Should I Be Concerned about a Low Credit Score?
Chances are you’re aware of the impact that a low credit score can have on your life if you’re seeking legal assistance right now. For those who may not be aware, however, a credit score is effectively a three-digit number that tells creditors how likely you are to pay them back. The higher the number – about 700 and greater – and you’re less likely to encounter issues that can seriously impact your life.
How Can a Low Credit Score Affect You:
- High interest rates on credit cards and loans
- Denied on credit card and loan applications
- Denied for certain types of employment
- Denied for rented living accommodations
Can I Dispute My Credit Report in Florida?
If a credit reporting agency has generated a report with errors or inaccuracies, it’s your right as a consumer to dispute this information. Upon 30 days of receiving this dispute, the credit agency responsible is legally obligated to investigate the issues. Our firm has the experience it takes to confront and work with bureaucratic entities like credit reporting agencies, which means you can feel more confident with assistance guiding you through the process.
We can also help you investigate whether other credit agencies are coming up with the same or similar errors on their versions of your credit report. If they are, chances are we’ll need to help you correct information with a relevant government agency to ensure that the same errors are not reported in the future.
FAQ for Tampa FCRA Lawyer
1. What is the Fair Credit Reporting Act (FCRA)?
The FCRA is a federal law that helps protect consumers by ensuring the accuracy, fairness, and privacy of their information in credit reporting. It grants consumers the right to dispute inaccuracies on their credit reports and requires credit reporting agencies to investigate and correct any verified errors.
2. How can an error on my credit report affect me?
Errors on your credit report can result in a lower credit score, which may lead to high interest rates, denial of credit applications, difficulties in securing housing, and even disqualification for certain jobs. A lower score can increase financial burdens and limit your options.
3. Can I dispute inaccuracies on my credit report in Florida?
Yes, as a consumer, you have the right to dispute inaccuracies on your credit report. Once a dispute is filed, the credit reporting agency has 30 days to investigate and correct any confirmed errors.
4. How can a Tampa FCRA lawyer help me with my credit report issues?
A Tampa FCRA lawyer can assist by filing disputes on your behalf, communicating with credit reporting agencies, gathering necessary evidence, and ensuring your rights are upheld. If necessary, an attorney can also take legal action to correct ongoing or repeated issues affecting your credit.
5. Can I dispute information with multiple credit agencies at once?
Yes. Often, a credit error can appear across multiple agencies, so it’s a good idea to address the issue with each one. An attorney can assist in coordinating these disputes to ensure the information is consistently corrected across all reports.
Why Choose Justice Litigation Associates PLLC?
Our FCRA attorney in Tampa is devoted to working with clients when they need help resolving legal issues surrounding their credit. Since 2016, attorney Chad Justice has dedicated his career as an attorney to helping people seek legal solutions that can help them keep the doors to brighter futures open. By working with Attorney Justice on your employment legal concerns regarding your credit, you may be able to identify errors, inaccuracies, or other deficiencies affecting your credit score that can be corrected.
Call our FCRA lawyers in Tampa at (800) 219-1324 if you think you need legal support to uphold your rights under The Fair Credit Reporting Act.
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“If you are in need of an attorney who is willing to fight your fight all the way through, you're looking in the right spot!!” - Former Client
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“Sam Doxie and the firm helped and we won a nice settlement.” - Former Client
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“They are excellent at communicating and handling the case in a way that you feel like you have a team of attorneys who truly care and support you.”
Do You Need a Fair Credit Reporting Act Lawyer in Tampa?
Justice Litigation Attorneys wants to help you correct the problems with your credit report that are costing you money and keeping you from having the life you want. The Tampa FCRA attorneys at our firm are a proud legal advocate for clients who are concerned about problems they noticed on their credit report.
When a mistake, error, or any kind of inaccuracy appears on your credit report, it’s important to call someone like us immediately to help you resolve it. We can help in Miami, Orlando, and all throughout Florida.
Waiting any longer can cost you money and opportunities you may not be able to afford! Contact Justice Litigation Attorneys online or call (800) 219-1324 to get the legal support you need!