You have rights under the Fair Credit Reporting Act

Year after year, thousands of consumer applications for credit cards, mortgages, employment, student loans, and personal and housing loans are turned down due to inaccurate information in credit reports. You HAVE the right to view your credit report, to dispute inaccurate or outdated entries and have the misinformation removed from your report.

The Fair Credit Reporting Act is a federal statute enacted in 1970 to protect the rights of consumers, and to regulate the practices of those who provide information to the credit reporting agencies, the agencies themselves, and credit report users. The FCRA states that a consumer can make a legal claim against, and sue the credit reporting agencies, creditors and debt collectors who report information that is wrong. If your credit report is wrong through no fault of your own, we can help. We offer a FREE* case review and can assist you in either ensuring your credit report is corrected in a timely manner or by pursuing a claim against those who fail to comply with the FCRA.

You can order a report from the 3 credit reporting agencies (Equifax, Experian, or Transunion) by clicking the links on this Web site. These 3 agencies supply most of the information about you, your present and past payment history and outstanding debts to the banks, credit card companies, mortgage, and other lenders that you have applied to for credit. Once you receive your report, if you have any trouble reading or understanding the information, call us or return to this Web site. We are expert credit repair lawyers. Click the "My report has errors" button if you think any of your information is inaccurate. A form is supplied by the credit reporting agency with the report you ordered, which has your account number on it, for easier processing. You can use the basic dispute letter to modify and send it back if you do not have the form that came with your report.

The Fair Credit Reporting Act offers specific consumer protections if you have been victimized by identity theft. Our credit report lawyers can ensure that your credit and good name are not tarnished by the credit reporting agencies and creditors. The Fair Debt Collection Practices Act outlines what collectors can and cannot do in an attempt to collect a debt. Submit your information, or call our offices, if you are being harassed by a debt collector or a collection agency.

Adam J, Krohn and Gregory H. Moss founded the law firm YourCreditRights.com. YourCreditRights handle claims involving credit report errors, fair debt collection practices, identity theft, and other consumer fraud issues. We want to make certain the information in your credit report is reported correctly. If there are inaccuracies, the information should be removed in accordance with the FCRA. The credit law professionals of our firm are on your side if your rights have been violated, and we will fight to recover what you are entitled to.

What Can the Attorneys at YourCreditRights.com do for you?

YourCreditRights.com serves consumers who are being harassed or abused by fraudulent debt collectors.

YourCreditRights.com has a team of highly-qualified and experienced professionals from the field of consumer law and has handled more than 30,000 consumer actions with over 98 percent of these cases being amicably resolved without the need for trial. Our team of attorneys has represented thousands of consumers who were subjected to the fraudulent, abusive or predatory business practices and organizations. The attorneys at YourCreditRights.com have arbitrated, settled, and litigated countless cases which have had a profound impact on consumer protection law.

YourCreditRights.com follows an effective process of handling credit report errors, fair debt collection practices, identity theft, and other consumer fraud issues with the most favorable and acceptable outcome for you in the shortest possible time.