Errors on your credit report, background check, or tenant screening can result in getting denied for a loan, a job, or even a home. Our team of consumer protection attorneys has over 35 years of experience defending clients under the FCRA. Best of all, there is absolutely no cost to you - guaranteed.
We're a boutique law firm specializing in helping clients correct errors on their credit reports, background checks, and tenant screenings. These costly errors are more common than you might expect, as the FTC estimates that 1 in 4 credit reports contain errors from at least one of the three main credit bureaus.
If your reputation has been damaged due to erroneous reporting by a Credit Reporting Agency, you may be denied:
Our team of experienced consumer protection attorneys will assess your case and stand by your side throughout the whole process, making sure justice is served and your reputation is restored.
All at no cost to you.
Our expert representation comes at zero cost to you. If we win, the FCRA entitles us to recover our attorney's from the defendant, so you never have to pay a dime out of pocket. In the unlikely event we don't win, we will cover our own fees. Guaranteed.
If you’ve ever tried to get a loan or buy a home, you’ll know that your credit score is the magic number that can help unlock the life you’ve been dreaming of. This simple 3-digit number is calculated based on your credit report, which is a detailed statement of your credit history.
Sounds simple enough, but these reports can contain a multitude of errors that can sabotage your efforts at taking that big step in your life. Some of the most common errors are:
If you’ve been unsuccessful in trying to fix these errors yourself, taking legal action is often the most effective way to get a credit bureau’s attention.
Surveys show that 95% of employers run background checks on job applicants, and it’s easy to understand why. Employers want to know that new hires have clean records and they really are who they say they are.
While most background checks contain accurate information, any inaccuracy can have disastrous consequences for an applicant’s job prospects and livelihood. Luckily, the FCRA has evolved to consider background checks as consumer reports, and thus holds them to the same accuracy standards as credit reports.
Any error on your background check is cause for concern, but here are some of the most frequent:
If errors on your background check have cost you a job, you are protected under the Fair Credit Reporting Act.
Similar to employment background checks, landlords often use tenant background checks (also called tenant screenings) in order to vet applicants before approval. And just like background checks, errors on tenant screenings are common and equally damaging.
While being denied housing is the worst case scenario, there are several less severe “Adverse Actions” that can result from a background check, such as:
If a landlord has accessed any kind of consumer report of yours (credit report, background check, eviction history report, etc) and has required any of the above or denied you for any reason, they are legally required to provide you an Adverse Action Notice under the FCRA.
Whether this notice is delivered verbally, in writing, or delivered electronically, it must contain specific and thorough information about the consumer report used to obtain any disqualifying information. Additionally, it must be communicated that you have a right to this report as well as a right to dispute it.