Damages & Attorney's Fees
The Fair Credit Reporting Act (FCRA) provides for actual damages, statutory
damages for willful or intentional conduct that violates the FCRA, and
punitive damages for malicious conduct harming a consumer's credit
or reputation for credit worthiness. Furthermore, the FCRA provides for
the recovery of attorneys fees and costs to the prevailing consumer (paid
for by the creditor or bureau) provided that either actual damage is proven
or the creditor or credit reporting agency has acted willfully in violation
of the Fair Credit Reporting Act.
If LeavenLaw is unsuccessful in representing you in your Fair Credit Reporting
Act case, you will owe LeavenLaw nothing for its efforts. In short,
we prevail for you or we are
not paid. Period. Below are the common scenarios that a consumer will encounter
where attorneys' fees and costs LeavenLaw will seek to recover from
the creditor or credit reporting agency.
Authorize LeavenLaw to Pull Your Credit Report
Late Payments Reported in Error
One of the most frequent credit reporting errors that a consumer will encounter
are payments on trade lines or accounts that have been reported as late
when in fact the payment was made on time. 30-60-90 days late. Late payments
cam drastically hurt a consumers credit score. If you have reviewed your
credit report and there are late payments being improperly reported, LeavenLaw
and its attorneys can help you draft dispute letters that must be sent
to the credit bureau(s) that are reporting the improper late payments
and, either get it corrected or, if need be, file suit to protect your
rights under the Fair Credit Reporting Act. LeavenLaw will get you results
and make the creditor, debt collector and/or credit reporting agency pay
its attorneys' fees for successfully representing you.
Improper Balances Reported as Due
Perhaps the second most common credit reporting error a consumer will likely
find on his or her credit report is a creditor or furnisher of information
reporting to a credit bureau a balance due on an account that is incorrect.
Whether the amount past due or the total amount of the debt allegedly
due, either being reported incorrectly can affect a consumer's credit
score. If you find an improper balance being reported on your credit report,
please contact LeavenLaw and its consumer attorneys to help you fix your
credit report at no out of pocket cost to you. LeavenLaw and its attorneys
will prevail be paid by the creditor or credit reporting agency or not
at all. Call today!
Impermissible Access to Credit Report
For consumers have filed for bankruptcy and received a discharge of their
debts, or who have settled debts with creditors or debt collectors, a
credit relationship with such creditors and/or debt collectors has terminated.
The debt has been resolved and as such there is no longer a debtor-creditor
relationship. And with no relationship, there is no longer a permissible
purpose for a consumer's
former creditors and debt collectors to access a consumer credit report. Still,
they will pull your report. And when they do, this is a textbook invasion
of your privacy. Check your credit report and the entities that access
your report. If creditor or debt collectors are accessing your credit
and you did not either apply for credit or have an existing debtor-creditor
relationship with them, you are entitled to damages.....and LeavenLaw
will get its fees and costs paid by the offending creditor. If we don't,
you owe us nothing. Call today to protect your good credit and your privacy!
In the modern day, it is becoming more frequent that bad people will get
access to your credit file and may try to take out new credit in your
name. As such, it is critical that you frequently check your credit report
to make sure that the accounts being reported under your name are actually
yours. If you detect any credit cards or other accounts coming up on your
credit report that are not yours, you may be the victim of identity theft.
In such case, please contact the Fair Credit Reporting attorneys at LeavenLaw
immediately. LeavenLaw and its attorneys will help you fill out and ID
theft affidavit and work with local law enforcement to make sure the crime
has been documents. LeavenLaw will then help you begin the process of
cleaning up your credit, one false credit line at a time. In certain circumstances,
LeavenLaw can also help you "freeze" your credit to make sure
the theft does not continue. Call LeavenLaw and its lawyers today for
the identify theft help that you need.
Common names. Fathers and sons. Similar spellings of otherwise distinct
names. There can be many reasons why one person's credit files is
"mixed up" with another person's credit file. Why and how
it happened is important. But what is critically important to the consumer
is getting the file corrected so another persons credit is not improperly
associated with yours. Invariably, when credit files are mixed, applying
for and getting new credit will be virtually impossible. So if you have
been turned down for credit and find out that another person's credit
is being reported as yours, call the Fair Credit Reporting attorneys at
LeavenLaw to start the process of unwinding the improper mixing of your
credit file. And when LeavevnLaw is done helping you, they will get their
attorneys' fees paid for by the credit bureau. Call today!