Fair Credit Reporting Act

Orlando Fair Credit Reporting Act Attorney

Whether you are filing for bankruptcy or need help exploring other debt relief options, one of the biggest issues anybody who is having economic hard times must do is to protect his or her credit rating and credit score. This number is used when you are applying for a job, a loan, a mortgage, a credit card, or even to obtain insurance. Your credit score can be seen as a history of how trustworthy you are or how likely you are to pay your obligations.

This is why it is essential that any time your credit score is going to be used to make a decision about your future, you and the people who are accessing your credit file comply with the requirements of the Fair Credit Reporting Act (FCRA). This federal legislation gives you many rights regarding who has access to your credit history and how it can be used. At the Price Law Firm, we are here to help you use the FCRA to protect your credit rating and how it is used. Contact us today to schedule a free consultation to see how our Florida FCRA lawyer can help you.

We can help you protect and assert the following rights afforded to you under the Fair Credit Reporting Act:

  • You have the right to access your own credit score
  • You also have a right to know what information is in your credit file
  • You have the right to dispute incomplete, inaccurate and inconsistent information
  • A credit bureau must correct, or else delete, inaccurate, incomplete or unverifiable information in your credit file
  • Additionally, credit bureaus cannot report outdated, negative information to outside entities who may request your credit file

It is also important to note that access to your credit file to others is limited and is subject to the following restrictions under the FCRA:

  • Most employers must attain your consent before they access your credit file
  • You are entitled to receive notice if your credit file is used against you
  • If you have been the victim of identity theft or are an active member of the military, you may have additional rights concerning how your credit score is used
  • You can choose to limit the number and types of prescreened offers you receive from creditors and insurance companies
  • If your rights have been violated, you have the right to seek damages from the entity who broke the law

If you feel that any of the above provisions of the FCRA has been violated, our lead attorney, Charles W. Price, can help investigate these allegations and see if they should be reported to the Federal Trade Commission. FTC enforcement is a serious issue because of the current economy and because credit information is so sensitive. If you have been treated unfairly, you have a right to hold that party accountable.

The Price Law Firm is located in Altamonte Springs in the Orlando-Kissimmee metro area. If you need to speak with a lawyer about how to correctly protect and assert your rights under the Fair Credit Reporting Act, contact us today to schedule a free consultation.

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