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What Are The Top Common Credit Reporting Violations?
- Inaccurate Information: Reporting outdated or incorrect information such as wrong account statuses, balances, or personal information.
- Failure to Conduct a Proper Dispute Investigation: Credit reporting agencies (CRAs) must investigate disputes from consumers about inaccuracies in their credit reports within 30 days. Failure to properly investigate or correct errors can be a violation.
- Reinsertion of Incorrect Information: If incorrect information is removed as a result of a consumer dispute but later reinserted without notifying the consumer within five business days, it is a violation.
- Furnisher Violations: Entities that furnish information to CRAs (like banks or debt collectors) must provide accurate data and conduct investigations when a dispute is forwarded by the CRA. Failure to correct or verify the data is a violation.
- Improper Disclosure of Credit Reports: CRAs can only provide credit reports to those with a valid need as defined in the FCRA, such as creditors, insurers, or landlords. Providing access to others without permissible purpose is a violation.
- Failure to Provide Notice: Consumers must be notified about adverse actions taken against them based on their credit report. This includes denials of credit, employment, insurance, or rental applications. Failure to provide these notices is a violation.
- Identity Theft and Mixed Files: CRAs must have procedures to handle cases of identity theft or mixed files (where one person’s information is mixed with another’s). Poor handling or resolution of these issues can lead to violations.
These violations can result in legal consequences for the CRAs, furnishers, and users of credit reports. Consumers affected by such violations may have the right to seek damages through legal action.
Learn How Our Attorney-Backed Credit Repair Surpasses the Competition!
Credit repair involves identifying and correcting inaccuracies or errors on your credit report through compliant investigations, legal disputes, and, if necessary, court actions against creditors or credit reporting agencies on your behalf.
- We leverage legal expertise to ensure thorough and compliant credit report investigations.
- Our team has facilitated millions of credit report removals, credit report debt releases, and earned settlement funds from credit report damages.
- We provide personalized, aggressive advocacy to protect your consumer credit rights, to improve your financial standing and credit scores.
Choose Credit1solutions.com for a trusted, effective approach to credit repair, backed by legal professionals dedicated to your success. Don’t waste your investment on the wrong provider.
Factors that can Negatively Impact your Credit Scores:
Below, Discover Why Our Dashboard Makes Us the Better Choice!
2024 Top Credit Repair Companies Comparison: Fees, Guarantees, and Services
FEATURE / COMPANY | Credit1Solutions | Credit Saint | Lexington Law | Sky Blue Credit | Credit Glory | The Credit Pros | Ovation Credit Services | CreditRepair | The Credit People |
---|---|---|---|---|---|---|---|---|---|
Fees | |||||||||
INITIAL FEE | $99.95 | $99 - $195 | $89.95 - $129.95 | $79 | $199 - $299 | $119 - $149 | $89 - $119 | $99.95 - $139.95 | $19 - $99 |
MONTHLY FEE | $49.95 - $149.95 | $79.99 - $119.99 | $99.95 - $129.95 | $79 | $99 | $69 - $149 | $79 - $109 | $69.95 - $119.95 | $79 |
Guarantees | |||||||||
Free Consultation | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
90-Day Money-Back Guarantee | ✔️ | ✔️ | ❌ | ✔️ | ✔️ | ✔️ | ❌ | ❌ | ✔️ |
Services | |||||||||
Credit Monitoring | ✔️ | ❌ | ✔️ | ❌ | ❌ | ❌ | ❌ | ✔️ | ❌ |
Personalized Account Manager | ✔️ | ✔️ | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | ❌ | ❌ |
24/7 Customer Support | ✔️ | ✔️ | ❌ | ❌ | ❌ | ✔️ | ✔️ | ❌ | ❌ |
Certifications | |||||||||
A+ BBB Member | ✔️ | ✔️ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ |
FICO Certified Staff | ✔️ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ |
DF Certified | ✔️ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ |
Certified Credit Counseling Agency | ✔️ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ |
Non-Profit Service Provider | ✔️ (Pending) | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ |
Legal Support | |||||||||
Licensed Attorneys on Staff | ✔️ | ❌ | ✔️ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ |
Attorney Support for Credit Report Violations | ✔️ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ |
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- What concerns you most about your current credit situation?
- High interest rates on loans or credit cards
- Denied loan or credit card applications
- Errors on my credit report
- Identity theft issues
- Preparing to buy a home or car
- How often do you check your credit report?
- Regularly (once a month or more)
- Occasionally (a few times a year)
- Rarely (once a year)
- Never
- Have you ever been denied credit in the past year?
- Yes, more than once
- Yes, once
- No, but I haven’t applied because I fear denial
- No
- What is your primary goal for improving your credit score?
- Qualify for better interest rates
- Increase my chances of getting approved for loans or credit cards
- Improve my financial health
- Purchase a home or vehicle
- Other (Please specify)
- Do you know what factors are currently affecting your credit score negatively?
- Yes, I am fully aware
- Somewhat, but I need more clarity
- No, I have no idea
- How urgent is your need to repair your credit?
- Immediate – I need results as soon as possible
- Moderate – It’s important, but not urgent
- Low – I’m just beginning to explore my options
- Are you aware of any incorrect information on your credit report?
- Yes, and I need help disputing it
- I suspect there might be errors
- No, I believe my report is accurate