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Mixed File Protecting Your Future

Mixed File Lawyers in St. Petersburg

Dealing With a Credit Report Mistake? We’re Here For You.

It might not always seem like it, but credit reports were designed to help consumers out in the long run. Credit reports are sent to creditors at different lending organizations and companies, giving details about an individual’s personal credit history and context. They are designed to establish your honest and reliable character, and to demonstrate that you have strong creditworthiness, proven by your ability to pay your debts on time.

Credit bureaus act as a method to prove your financial trustworthiness. Unfortunately, even the most cautious of credit report teams can occasionally make tiny mistakes when processing your specific forms.. Our consumer protection attorneys at Boss Law can help fix these credit errors before they cost you any more time or effort.

Call us today at (727) 877-3188 for help fixing costly and time-consuming credit errors.

Mixed Files in Credit Reports

One of the worst nightmares for a consumer trying to get a credit report accepted occurs when there is a mix-up of files. This often occurs because of a simple logistical error or typo by a creditor or credit reporting agency. We have seen countless cases where someone else’s information became attached to another person's credit report because both people had similar birthdays, names, addresses, or even social security numbers.

It is even more difficult to correct these mixed files because the dispute resolution process is automated and hundreds of thousands of disputes get outsourced all over the world. In order to get the issue resolved, you must dispute the error and ultimately may have to file a lawsuit.

Consequences of Mistaken Credit Reports

Even though a mistake on your credit report had nothing to do with you, unfortunately you are the one who will suffer.

Just a few of the problems that could occur from an error on your credit report include:

  • Missing information could prevent the timely filing of your updated credit report.
  • Misinformation could result in a poor credit score.
  • Your credit report might show that you defaulted on payments, making creditors unwilling to lend to you.
  • You might be forced to take a higher interest rate.
  • You might be required to pay a larger advance or fee.
  • Your credit application could be denied.

What Can You Do to Fix a Mixed File?

It is a very arduous, though necessary, process to attempt to resolve a mixed file. First, you need proof that you are not the person listed on the credit file. However, because CRAs receive so many disputes, they simply do not have the resources or time to fact-check your information and correct it. Therefore, you must either resign yourself to enduring the consequences of the mixed file problem or you can obtain counsel from a one of our mixed file lawyers in St. Petersburg who will work with you to file a lawsuit to correct the credit error.

Our credit report mistake attorneys at Boss Law can help you get the justice you deserve.

Contact us now at (727) 877-3188 so our mixed file lawyers in St. Petersburg can sort your credit issues today.

Credit Report Mistakes

Learn More by Watching the Helpful Videos Below
  • Wrong Information on Your Credit Report
  • How we work with you on credit report errors
  • Check your credit report regularly during the Coronavirus Pandemic

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Hear From the Thousands of People We Have Helped
  • They were spectacular in working with me every step of the way.

    “Chris and the team at Boss Law are absolutely top-notch, they provided excellent counsel and guidance to enable me to resolve a fraudulent account and associated lawsuit in under 45 days from first ...”

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  • Years of experience play a key role in his ability to solve problems quickly and efficiently.

    “Chris is an amazing lawyer that can help with a multitude of items. Chris always treats you with respect and focuses on you and your issues at the present. Years of experience play a key role in his ...”

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  • I was being harassed by phone solicitors, and they handled every aspect for me.

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  • Within the first few minutes of our conversation, Chris made me feel at ease & hopeful again!

    “I only wish I had found Boss Law sooner! After hiring another costly company, my situation and confidence had only worsened. I was ready to give up. By the grace of God, I was introduced to Mr. Boss! ...”

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  • They are highly skilled, very responsive, and get the job done.

    “Best law firm out there to make your creditors and the credit bureaus pay for damaging your reputation and for not following the Fair Credit Reporting act. They are highly skilled, very responsive, ...”

    - Randy Hardy

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Learn Why Clients Choose Boss Law 
  • No Fee Unless We Win!

    Your consultation is free and with an experienced attorney. You don't pay any "out of pocket costs" unless we win!

  • Focused on Your Rights

    If you’re dealing with unfair debt collection practices or creditor harassment, we will fight for your legal rights.

  • We Care

    When you hire with Boss Law, you can rest assure your well-being is our priority. We strive to make the process as stress-free as possible.

  • Experience

    Our attorneys are backed by more than 20 years of combined legal experience and can help you choose the best path for your legal matter.

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