Are there inaccurate items on your credit report? Have tried to dispute these items but to no avail? Unfortunately, the credit bureaus, Equifax, Experian, and Transunion, do not always treat consumer disputes fairly. Luckily, the Fair Credit Reporting Act provides consumers a weapon against unfair credit reporting practices. If a credit bureau fails to properly reinvestigate an account you disputed, you may be entitled to damages as well as the costs and attorney’s fees associated with an action brought against the bureau. This means the attorneys of Scott, Vicknair, Hair & Checki, LLC can represent you in a claim against the bureaus at no out-of-pocket cost to you! Give us a call at (504) 323-5802 for a free consultation.
Has your credit score decreased and you don’t know why? As you may know, when companies obtain and review your credit report as part of a credit transaction, known as a “hard pull,” it can lower your credit score. What you may not know is that consumers are finding more and more companies are performing hard pulls on their credit report without their consent or a permissible purpose. This is illegal. If you see an unknown company has done a hard pull on your credit report, give us a call at (504) 323-5802. You may be entitled to damages as well as the costs and attorney’s fees associated with a claim. This means the attorneys of Scott, Vicknair, Hair & Checki, LLC can represent you at no out-of-pocket cost to you! Give us a call at (504) 323-5802 for a free consultation.
Is a collection account killing your credit score? There may be a way to fix the problem. The attorneys of Scott, Vicknair, Hair & Checki, LLC offer free credit reviews and can offer guidance to solving credit problems. If there are inaccuracies in the reported information, a well-prepared dispute may trigger the item’s removal. If you have disputed the account with the debt collector or original creditor, it should be reported as disputed on your credit report. If the debt collector failed to send you required notices, you may be entitled to relief. Our attorneys use consumer protection laws such as the Fair Credit Reporting Act and Fair Debt Collection Practices Act to leverage removal of negative items, release from outstanding debt, and even monetary damages for our clients. Give us a call at (504) 323-5802 for a free consultation.
Find the answers and hard-hitting advocacy you need.
CURIOUS ABOUT THE RECENT EQUIFAX DATA BREACH?
The Equifax data breach reportedly impacts roughly 143 million U.S. consumers. New information continues to develop including reports of previous alleged breaches. The information accessed included names, Social Security numbers, birth dates, addresses, driver’s license numbers, credit card numbers, and other personally identifying information.
Unfortunately, data breaches and identity theft are a part of modern life, and the Equifax breach is just one example. In light of the breach, it is important for consumers to be aware of their rights and options for credit protection. Some recommended steps to protect your identity include ordering an annual free credit report each year from http://www.annualcreditreport.com/ (or calling 877-322-8228), regularly monitoring your bank accounts and credit card statements, and taking note when companies with which you do not have a relationship call you. These simple steps can help you recognize and counteract fraud in an efficient manner.
Federal law provides injured consumer a right to monetary relief, which may include legal costs and attorney’s fees. If you notice improper items on your credit report, improper charges on your credit accounts, and calls from unknown companies, you may have a claim for monetary damages against the offending company.
Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any improper account on your credit report with the credit bureaus and the furnisher of the account. Often, a dispute is ineffective and consumers become frustrated and give up, but you should persevere. The FCRA provides a right of action for consumers when the bureaus and account furnisher do not properly respond to a credit dispute. In addition to removal of the improper account, the consumer may be entitled to monetary damages, legal costs, and the consumer’s attorney’s fees. Thus, an attorney, such as those with Scott, Vicknair, Hair & Checki, LLC, can provide representation at no cost to the consumer. But don’t stop there! Identity theft and data breaches can also lower your credit score by causing creditors to perform a credit analysis on you without your consent. Luckily, the FCRA provides relief for this as well, so investigate what companies have pulled your credit report.
If you are receiving calls from unknown companies claiming you have an account with them or owe them money, you may have a claim under the Telephone Consumer Protection Act (TCPA) or Fair Debt Collection Practices act (FDCPA). In short, the TCPA provides damages on a per call basis when a company calls a consumer’s cellular telephone, without their consent, using an automatic dialing system or a prerecorded/artificial message. The consumer may be entitled to $500 per call!
The FDCPA protects consumers from a breadth of unfair and harassing collection practices. The FDCPA allows the consumer to recover damages, costs, and their attorney’s fees. Further, calls from unknown companies can be indicators there may be something improper on your credit report. If you are getting calls from businesses and debt collectors with whom you do not have a relationship, check your credit report and call Scott, Vicknair, Hair & Checki, LLC for a free consultation.
If you are the victim of identity theft, it is important to understand your rights. Scott, Vicknair, Hair & Checki, LLC has been representing consumers against creditors, debt collectors, and the credit bureaus for years. We offer free consultations and represent most clients at no out-of-pocket cost to the client. If you have any questions, please do not hesitate to contact us at (504) 323-5802 or through our website at www.svhclaw.com for a free consultation. You can also email our consumer protection attorneys directly at firstname.lastname@example.org and email@example.com.
To find the answers and diligent advocacy you need, call (504) 323-5802 or email us today to schedule a consultation with our New Orleans law firm.
COMMITTED TO CLIENT SOLUTIONS
At SVHC we get results. We are here to take care of our clients, and that means that we will fight hard for them.
We are true trial attorneys who fight in the courtroom and are focused on the best possible result for each of our clients.
When you need us, we will be there for you, returning calls and listening to you. We care about our clients. We are here to provide support and help you succeed.
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Our track record speaks for itself. We have recovered millions of dollars for our clients, won major cases across the country, and been recognized by Super Lawyers® as leaders in the legal field.