Mixed or Merged Credit Report Attorney in Florida
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 such as Equifax, Experian, and TransUnion act each have
their unique databases where they store information about you. Unfortunately,
even the most cautious of credit report teams can occasionally make tiny
mistakes when processing your specific forms, or mix up your identities
to create inaccurate reports. Our consumer protection attorneys at Boss
Law can help fix these credit errors before they cost you any more time
Call us today at
(727) 877-3188 for help fixing costly and time-consuming credit errors.
How Do Mixed Credit Reports Occur?
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.
Some of the common reasons for mixed credit files include:
- Creditors can misspell names or addresses
- Consumers sometimes use different names for different accounts (such as
maiden names or nicknames)
- Consumers with multiple addresses can cause confusion for bureaus
- Some agencies may accidentally merge a file with someone who has a similar
name. 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.
The Dangers 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
- 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.
Our mixed file credit report attorneys can help you:
File a formal
dispute letter with every CRA that contains the incorrect data.
- Seek damages from the agencies to compensate you for the stress and financial
damage the errors have caused you
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 and 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.