Over 11 million people are affected by identity theft each year and 70% of people have an error on their credit report.

Unfortunately, only 50% of people are able to fix their credit report.

Being the victim of fraud or errors is frustrating and can have serious ramifications.  Your credit report is used by creditors, insurers, and employers. You can be  charged a high interest rate, charged higher insurance premiums, or even denied a job or a home loan. Like it or not, your credit history is important.

If there are errors on your report or if you are the victim of identity theft, its important to take action immediately and get help from an attorney. We never charge you for a consultation on credit report or identity theft issues.

Protect yourself: Make sure your report is accurate.

  1. Review your report.
    • First, you need an updated copy of your credit report.  You can request a free credit report from www.annualcreditreport.com. You are entitled to receive one copy each year from each credit reporting agency.
  2. Dispute any errors.
    • If you think something is inaccurate on your credit report, dispute the error in writing- not online. Write a letter explaining your dispute and be as detailed as possible.  Include copies of documents that support your position, a copy of credit report highlighting the dispute, and a copy of driver’s license and social security card for verification.  Send this letter by certified mail and keep a copy for own records.
    • The Credit reporting agency must investigate your dispute.  When the investigation is complete, the credit reporting company will send you the results.
  3. Enforce Your Rights
    • If an investigation does not fix the error, or if you are the victim of identity theft,  contact me for a free consultation to review your situation and learn more about how I can help.