Credit Report Lawyers

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Colorado Springs

(719) 309-3000

Grand Junction

(970) 287-1173
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Credit Score Lawyers On Your Side

Your credit score influences the purchases you can make. It should be an accurate and honest representation of your credit history – but when banks, credit card companies, or other financial institutions submit false information to the credit bureaus, you want to correct the mistake quickly. Don’t settle for higher interest rates or credit denials – the credit report lawyers of Ramos Law can help.

At the Ramos Law Firm, we understand the feeling of defeat and injustice from being a victim of bad credit reporting. It’s crucial to correct reporting errors and protect your good name. Our credit report lawyers are your voice – we will represent you and fight to regain your good credit score. Call us or complete our complimentary case evaluation form now.

The Fair Credit Reporting Act

Consumer laws protect you and provide options for fighting against bad credit reporting. Several avenues are available, and the challenge lies in deciding which to take.

The Fair Credit Reporting Act (FCRA) is a federal law enacted in 1970 that regulates the collection, use, and disclosure of consumer credit information. It protects the privacy and accuracy of credit reports and ensures consumers can access them and dispute inaccuracies. It gives consumers numerous rights, such as the following:

  • Obtaining a free copy of their credit report from each of the three primary credit bureaus – Equifax, Experian, and TransUnion – once per year
  • Disputing, investigating, and correcting inaccurate credit reports 
  • Placing a fraud alert or security freeze on their credit reports to prevent unauthorized access
  • Receiving notification if a creditor denies them credit, employment, or insurance based on the report

Fair Credit Reporting Act Lawyers Advocating for You

Navigating the complex credit reporting legal landscape alone can be overwhelming – but the Ramos Law team can assist. We’ll guide you through disputing inaccurate information, removing negative items from your credit report, and protecting your credit rights. Our credit report lawyers can also represent you in court if you need to sue a credit bureau or creditor for violating the FCRA.

Our FCRA attorneys will help you fight against false reports, whether that means assigning punitive damages for the creditor, retracting a derogatory credit report, or something else. Our goal is to achieve a favorable outcome and restore your credit reputation.

You’re not stuck if you’ve received false late payment reports, defaulted loans, or delinquencies. Our credit report lawyers will fight for you and your peace of mind.

How Our Credit Report Lawyers Can Help

If you’re a victim of bad credit reporting, The Ramos Law team will guide you through the following steps:

  1. You receive a false negative report from a creditor – with or without notification. Frequently, the false statement is a surprise that only shows face when you’re unexpectedly denied credit elsewhere.
  2. With the assistance of Ramos Law’s credit report lawyers, you submit a written dispute notice to the issuer. The creditor has a set period to correct the report – typically between 30 and 60 days of receipt.
  3. If the creditor doesn’t take action per the legal deadline, you can file a lawsuit against them. The Ramos Law team leads the charge, keeping you updated at every step.
  4. Successful false credit reporting lawsuits often result in compensation, attorney fee reimbursement, or punitive damages. Case results vary.

Choose the Credit Report Lawyers of Ramos Law

Our credit report lawyers aim to help consumers like you regain control of their credit. You work hard to pay bills and other debts promptly, and it can be devastating when that ability is stripped away by no fault of your own. Ramos Law handles consumer law cases of all kinds and scopes – we’ll work to preserve your credit.

Attorney and physician Dr. Joseph Ramos founded our law firm to provide legal services for wronged victims like you. When you contact Ramos Law, you’ll receive a complimentary case evaluation where our experts will thoroughly analyze your situation and offer options. We pride ourselves on our integrity, hard work, and complete honesty. You’ll never be left wondering about the status of your case.

If you believe you have a case against a creditor who has logged a false credit report in your name, don’t hesitate to contact us. The sooner you contact our consumer rights attorneys for assistance, the better your chances of correcting their mistakes. Call us or complete our complimentary case evaluation form today.

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