Most Important Credit Reports to Order
If your credit report has reappearing accounts after being previously removed, you may be a victim of an improper reinsertion of credit data. The Fair Credit Reporting Act (FCRA) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer’s credit report. The credit bureaus cannot reinsert this information unless it receives a certification from the data furnisher (the bank, credit card company, or debt collector) that the information is correct and then provides notice to the consumer that the information will be reinserted. If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, you may have a case. If you believe you have been the victim of a reinserted credit item, contact our firm today.
If you have already written a dispute letter and had the negative account removed through the dispute process or credit repair, you may be surprised to see the deleted item reappear. Most often this happens when the creditor or collection agency responsible for the tradeline has asked the credit bureaus to reinsert the information. The Fair Credit Reporting Act requires credit reporting agencies to ask the data furnisher to certify that the information is both accurate and complete before the information can be reinserted. However, many creditors illegally sidestep this requirement by altering account information that would allow the credit bureaus to block the negative information about the deleted account. Other creditors simply give false certifications. The end result for most consumers is an endless cycle of disputes and reappearances of inaccurate information or old debts.
If you have reinserted information on your credit report, we can help.
While reappearing accounts can damage your credit history, the most common harm is damage to your FICO or credit score or Vantage Score. People who suffer from the reappearance of deleted account information won’t be likely to get the credit they have earned and deserve and can spend countless hours trying to correct the original creditor’s mistake or the reinsertion by the credit bureau. Almost any kind of account can be reinserted, including collection accounts, late payments, and accounts beyond the statute of limitations.
When these negative items reappear, they may omit your past dispute information. Our experience shows that once a consumer brings a lawsuit over a reinserted credit item, the credit bureau will begin to look more seriously at the bad credit or charge-off and will resolve credit reporting errors in order to avoid a judgment. Contact us today for legal advice and to find out if we can help in your time frame to have your reports showing only accurate information.
Our credit reporting lawyers can review your credit history and identify violations of the FCRA that harmed you, and then bring suit to get your report corrected, along with compensation for any credit denials and emotional distress. After your case is done, we will help you to regularly check and monitor your credit report with a free annual review of your credit reports to ensure that you stay free of previously deleted account information that has been improperly reinserted. No matter whether the information is from an old identity theft, a debt collector, or just a past-due account, we can help make sure that your credit file remains free from the previously deleted information. Our attorneys are familiar with the FCRA and the Fair Debt Collection Practices Act.
There are four major credit bureaus that get information from lenders, debt collectors, and public record collectors. The Fair Credit Reporting Act (FCRA) requires that these credit reporting agencies provide you with a free copy of your credit report every year and to process credit report disputes within 30 days.
If you’re seeking additional resources, you can request a free copy of your credit report through the Annual Credit Report website here. If you choose to request your report by mail, please allow up to 35 business days for delivery.
For a more comprehensive list of companies that function as consumer reporting agencies, refer to the list provided by the Consumer Financial Protection Bureau (CFPB) on their website here. Additionally, for detailed information about obtaining your free credit report, visit the Federal Trade Commission (FTC) website here.
Our law firm is based in Metropolitan Detroit, Michigan, and we provide legal services across the entire state. Additionally, we have been admitted to practice and have appeared in various jurisdictions outside of Michigan, including California, Connecticut, Florida, Georgia, Illinois, Kentucky, Louisiana, New York, Ohio, Oklahoma, and Virginia, despite not holding licenses in these states.
Disclaimer: If your case requires filing in a state where we are not authorized to practice, we are happy to refer you to a qualified credit report attorney in your area.
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