Michigan Credit Report Lawyers

Remove Negative Information

Banks, credit card companies, and debt collectors regularly report false information, leaving you to correct their mistakes. If you have negative credit information causing you credit denials or higher interest rates, you may need help getting those credit errors fixed. Lyngklip & Associates can help you remove the errors and restore your consumer credit file with Experian, Equifax, and Trans Union. Contact us now at (248) 208-8864.

Compensations for Your Actual Damages

If you have been through the dispute process and been denied credit, federal law laws provides consumer rights to get compensation for the credit errors and negative information that harmed you. While credit repair companies and the Federal Trade Commission offer help, they rarely sue on behalf of individual consumers. Our firm can help restore your credit so you can get approved for credit at the interest rates that you deserve. Call now to find out if you can receive compensation for any actual or punitive damages, (248) 208-8864.

Punitive Damages

In some cases, consumers may be able to recover punitive damages. These recoveries happen most often when the consumer has written several credit dispute letters about the same problem or when they have had a common problem that other consumers had. These damages are usually limited to a multiple of between 1 and 10 times any actual damages. Contact us today to find out if you may qualify for punitive damages, (248) 208-8864.

Credit Restoration, Not Credit Repair

For victims of identity theft and negative inaccuracies on their credit file, fixing credit is only the beginning. Most consumers need ongoing credit monitoring for new or reinserted negative information. Our firm provides continuing support and free consultations for our clients to make sure that any inaccurate information stays off their report. Contact us to find out how we can help you enforce your consumer rights, (248) 208-8864.

Help with FTC Affidavit for Victims of Identity Theft

Many credit reporting agencies, debt collectors and lenders will require a victim of identity theft to get an “identity theft report” before they will remove fraud accounts from a credit file. Victims of identity theft don’t need a police report to dispute fraud accounts. Our law firm has experience with identity theft reports and can help complete your FTC identity theft affidavit and write a credit report dispute letter that will satisfy the credit bureaus and furnishers so they will remove the inaccuracies from your report. We provide help for disputes without charging any upfront attorney’s fees, and we don’t get paid unless we can recover for you. Call for help with your Federal Trade Commission affidavit, (248) 208-8864.

End the Cycle

False credit reports can happen to anyone. While many web sites and credit bureaus offer help, consumers regularly get trapped in an endless cycle of phone calls, disputes and letter writing. Our team can help you restore your true credit and get compensation for credit denials, harm to your credit reputation, and ordeal of correcting the errors. No matter why your credit reports have been damaged.

No Fees for Help With Your Disputes

About Our Credit Report Lawyers Ian Lyngklip has been litigating credit report errors since and 2001 and has over 20 years of experience in FCRA litigation. He has been coaching and training other lawyers since 2003. He can help you recover compensation for any harm and punitive damages available under federal law. We won’t charge you any up front fees to help you dispute your credit errors. And, if we file a lawsuit for you, your fees are paid by the other side. There is no charge unless we recover for you.

Your Attorney’s Fees Paid by The Other Side

Our law firm knows consumer rights and we will use the FCRA to help correct your report and have the credit reporting agencies pay your fees. There is no up-front fee and we only get paid if we can recover for you.

Free Phone or Zoom Consultation

There’s no need to fight the credit bureaus by yourself. Get the representation of Michigan’s most respected credit reporting attorneys. Call now — (248) 208-8864

FAQ

What is the Fair Credit Reporting Act (FCRA)

The FCRA is a federal law that provides consumer rights and remedies for issues with consumer reports (also known as credit reports). The main points of regulation are that consumers have a right to get their own credit file, creditors can only ask for the a consumer’s report if they have a permissible purpose, and consumer reporting agencies (also known as “credit bureaus” or “CRAs”) must allow correct credit errors if the consumer disputes them.

What is a Consumer Reporting Agency (CRA or Credit Bureau)

A consumer reporting agency is a company the sell credit information about the consumers companies that will use it to make decisions about the consumer’s eligibility for credit, employment, or insurance. These companies gather information about consumer’s credit accounts, debts, and overall credit history. These companies may only issue reports if they believe the requesting party has a legally permissible purpose for the information.

What is a Data Furnisher or Furnisher?

CRA’s don’t have their own information about consumers, so they ask for that information from companies like credit card issuers, lenders, and debt collectors. Companies that provide that data to credit bureaus are called “data furnishers” or just “furnishers.” Consumers can dispute credit errors directly to furnishers, but should also dispute any incorrect information to the CRA’s.

What is a Reinvestigation?

When consumers disputes incorrect information to a consumer reporting agency, there are two separate credit investigations. First the CRA summarizes the credot report dispute letter and forwards that information to the furnisher. That furnisher must investigate the dispute and return the results to the credit bureau. The credit bureau then “reinvestigates” that same information. This two-step process is intended to insure that only accurate information stays in the consumer’s credit file.

What Kind of Compensation Can I Get for Harm to My Credit History?

The FCRA allows consumers to recover both actual damages and punitive damages against consumer reporting agencies and their data furnishers. “Actual damages” is compensation for any harm that has happened as a result of a violation of the Fair Credit Reporting Act. This would include compensation for credit denials, higher interest rates, humiliation and other emotional distress. Punitive damages can be awarded in cases where a CRA or lender has acted with willful disregard for consumer rights, and usually will be limited to some multiple of the actual damages between 1 and 10 times the amount of any actual damages.

Can the Fair Debt Collection Practices Act Help Me?

In some cases, yes. But not all. The Fair Debt Collection Practices Act (FDCPA) regulates debt collectors and their credit reporting to the credit bureaus. This law does not govern the credit bureaus or furnishers who are debt collectors. But the FDCPA prohibits debt collectors from reporting false credit information or publishing disputed information without noting that the information is disputed. Consumers who are being overcharged or asked to pay for fraud accounts by .debt collectors can use the FDCPA get compensation for harm and stop damage to their credit history.

Can I File a Class Action?

Yes, but it may not be worth it for you. Class actions are a lawsuit where a consumer seeks to get a remedy for themself and other consumers who have had the same thing happen to them. These lawsuits are a helpful way to correct a widespread problem, but consumers who file these suits are less likely to receive full compensation for their harms than if they filed their case only on their own behalf. While “incentive awards” have been used to help make up for the difference between what they consumer could have recovered on their own and what they get from a class action, these awards are being used less regularly and are more speculative than simply filing on your own. Our law firm rarely files class actions, and then only in special cases.

Who Are the Credit Bureaus That Have Information About Me?

There are four major credit bureaus that get information from lenders, debt collectors, and public record collectors. They are each required to provide consumers with a fee copy of their credit file every year.

Equifax
1550 Peachtree Street Northeast
Atlanta, GA 30309
Website

Experian
701 Experian Parkway
Allen, Texas 75013
Website

Innovis
250 East Broad Street
Columbus, Ohio 43215
Website

Trans Union
555 West Adams Street
Chicago, IL 60661
Website

Additionally, there are dozens of other credit reporting agencies who collect and sell data about consumers. Here are some of the others and their addresses where you can request your free credit file.

Accurint Consumer Inquiry Department
P.O. Box 105610
Atlanta, GA 30348‑5610

ACXIOM Risk Mitigation
12303 Airport Way, Suite 300
Broomfield, CO 80021

BackgroundChecks.Com
Consumer Relations Department
P.O. Box 353
Chapin, South Carolina 29036

Checkr
One Montgomery Street
Suite 2000
San Francisco, CA 94104

ChexSystems
7805 Hudson Road-Suite 100
Woodbury, MN 55125

Clarity Services, Inc.
15550 Lightwave Dr., Ste. 350
Clearwater, FL 33760

CoreLogic/Credco
Corporate Headquarters
40 Pacifica, Suite 900
Irvine, CA 92618

Credential Check Corporation
575 East Big Beaver Road, Suite 300
Troy, MI 48083‑1300 USA

Data X ltd
325 E Warm Springs Rd Suite 202
Las Vegas, NV 89119

Early Warning Services, LLC
16552 North 90th Street #100,
Scottsdale, AZ 85260

FactorTrust, Inc.
Attention: Consumer Inquiries
P.O. Box 3653
Alpharetta, GA 30023

First Advantage Consumer Center
P.O. Box 105292
Atlanta, GA 30348‑5292

HireRight
14002 E. 21st Street, Suite 1200
Tulsa, OK 74134

LexisNexis
P.O. Box 105292
Atlanta, GA 30348-5292

MicroBilt Corporation
1640 Airport Rd, Suite 115
Kennesaw, GA 30144

SageStream, LLC
Consumer Office,
P.O. Box 503793
San Diego, CA 92150

For a more complete list of the companies that operate as consumer reporting agencies, you can see the list prepared by the Consumer Financial Protection Bureau (CFPB) at their web site: https://www.consumerfinance.gov.

Where Do You Practice?

Our office is located in Metropolitan Detroit, Michigan. We practice throughout the entire state, and we have been admitted to practice and made appearances in several other states where we are not licensed: California, Connecticut, Florida, Georgia, Illinois, Kentucky, Louisiana, Ohio, Oklahoma, and Virginia. If we are unable to practice in the state where your case needs to be filed, we can make a referral to another qualified credit report attorney near you.