FCRA Lawyer St. Louis, MO. The Fair Credit Reporting Act (FCRA) protects consumers from false or misreported credit issues. You may be entitled statutory damages of up to $1,000, and it's important to reach out to the Eason Law Firm today if your credit has been affected by an unauthorized party or you've been misrepresented by a credit bureau. You have rights, and it's our goal to help St. Louis and Illinois victims solve these problems and receive fair compensation for their damages.
Get the Credit Protection You Deserve
Since 1970, the Fair Credit Reporting Act (FCRA) has allowed citizens the right to accurate and fair reporting from credit agencies. This includes credit bureaus, banks, and other institutions that collect (or sell) information about medical, rental, and even check writing records. For example, if someone files a credit report against you, you are allowed to know who did so.
Put simply, you have the right to:
- Ask for your credit score
- Dispute inaccurate or incomplete information
- Know what's in your file
There are a lot of specific details behind the FCRA, and if you feel like your rights have been violated, it's important to reach out to a St. Louis FCRA lawyer right away to take action. Contact the Eason Law Firm today to learn more about fair credit reporting and how you can strike back at these agencies.
Common FCRA Violations
Credit bureaus can impact your credit report by misrepresenting (or via outright fraud) consumers. Below, we list out a few of the most common FCRA violations. If any of these have happened to you, reach out to one of our experienced FCRA lawyers in St. Louis and Illinois today.
- "Re-aging" old debts to make them appear newer than they actually are.
- When an agency fails to report a debt that was discharged under bankruptcy.
- Reporting a debt when it was already paid off.
- Including other people's credit information with your own.
- Failing to submit corrected information to major credit bureaus.
Your credit can only be reported to authorized entities, such as other creditors, insurance companies, utility companies, landlords, or employers if consent is provided.
The lawyers at the Eason Law Firm help you deal with unfair credit reporting issues. If your score has been dinged by an illicit party or your credit history has been pulled by an unauthorized entity, it's essential to contact a St. Louis FCRA law firm as soon as possible. Contact our firm now to discuss your case and we'll be sure to fight for your rights as a consumer.