Credit reporting companies maintain the credit histories of nearly 240 million Americans. It is estimated, however, that 12 million people have credit-damaging errors on their credit reports.

On top of this, it is estimated that nearly 15 million people a year fall victim to identity theft. Credit reporting errors and identity theft often result in the following:

  1. Denial or increased costs of loans or lines of credit.
  2. Denial of housing, jobs, public benefits or security clearance.
  3. Out of pocket losses due to fees and payments.

How Can Lyngklip & Associates Help Me?

The Fair Credit Reporting Act provides consumers the right to receive copies of their consumer reports and to dispute any inaccuracies. Lyngklip & Associates helps people identify and dispute errors on their reports and sue companies that refuse correct those mistakes. Consumers can recover monetary compensation for harm to their credit, reputation and the frustration and humiliation caused by false reporting. In some cases, consumers may also recover statutory or punitive damages.

Common Cases We See:

Below is a list of common cases that we handle under the Fair Credit Reporting Act. These cases can either pertain to credit reporting errors or identity theft.

How Much Are Your Fees?

Under the Fair Credit Reporting Act, you are entitled to recover certain damages. If your case is successful in court, the other side will pay your attorney’s fees.  At Lyngklip & Associates, our clients do not pay out of pocket for fees and pay nothing unless we recover damages on their behalf.

We also pay referral fees to referring attorneys. After completing the checklist below, clients may contact our office for a free initial consultation one of our experienced attorneys.


Let’s See If We Can Help You!

This information is used for us to gauge where you are in the process so we can better help you through the process.

    Obtain current copies of your consumer reports.

    Dispute any credit errors or wrong information to the credit bureau(s) that reported it.

    Collect any rejection letters from finance companies, banks, landlords, other entities that have denied you credit.

    Collect any copies of police reports or fraud affidavits.

  • This field is for validation purposes and should be left unchanged.
Don’t worry, after you submit this form you will receive an email with sample letters you can fill out and use to order your credit report directly from the big four crediting reporting agencies.

Cases Involving Credit Errors

In this important educational series, Michigan consumer law attorney Ian Lyngklip of Lyngklip & Associates discusses important considerations regarding Credit Errors.

Understanding Credit Denial Letters

What information is in credit denial letters and how can it help you improve your credit score and credit repair? This video will help you learn how to read credit denial letters and use them to get free copies of your credit reports.

You can find more consumer credit information and tips on the Consumer Insider channel. There, Ian breaks down the ways that car dealers, credit bureaus, and debt collectors cheat consumers and violation the law.

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What Our Clients Are Saying

5 5 1
Very understanding of your problems. I'm learning things about my rights that I never knew. I really appreciate and thank Lyngklip & Associates for their help and services and welcoming me to the family rate. Lyngklip & Associates is a 10 star well educated business.

5 5 1
Mr. Lyngklip and Ms. Petrick are knowledgeable attorneys and work relentlessly to get results for you. I am very pleased with their hard work and communication during my case. I highly recommend this law group!

5 5 1
Michigan Consumer Law helped me when I was having issues with the purchase of a vehicle. What happened to me was very unsettling. However, when I met with Ian and his team, they explained everything to me in layman’s terms and my anxiety was relieved knowing that I wasn’t going to be completely ripped off. I received a settlement and was happy with the end result. I am now working with Michigan Consumer Law on another case of mine, and would definitely recommend them to anyone.