Fair Credit Reporting Act Lawyer

 
Our Long Beach, CA office handles litigation for consumers to protect them against violations of their rights under the Fair Credit Reporting Act. Consumers get harmed from inaccurate, unfair, or discriminatory credit reports or background checks.
 

What is the Purpose of the Fair Credit Reporting Act?

The Fair Credit Reporting Act is a federal law that protects consumers. The FCRA covers traditional credit reports plus employment background checks. It also covers a wide amount of remedies that consumers need.
 
The FCRA contains many consumer protections. Consumer reporting agencies must use reasonable procedures to assure greatest possible accuracy.
 
Credit Report Errors Cause:
 
  • Higher insurance premiums
  • Higher interest rates
  • Loss of promotion or a job
  • Denial of a Home Mortgage Loan
  • Denial of a Rental Application
  • Denial of Credit
 

How Do I Get My Credit Report?

 
Consumers can get a copy of their report online. The easiest way to do so is to request a free credit report from one of the three major bureaus. You get a free report from each every year, so if you do only one bureau at a time, you can request a report every four months. The website to request to report is at www.annualcreditreport.com.
 

If there are errors or you think you may have been harmed, give us a call for a free consult (562)999-1219.

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