What Should I Do if I Notice an Inaccuracy On My Credit Report?

reviewing credit card statement

If you are like most Americans, you own a credit card. You are a responsible consumer, and you make your payments regularly. Unfortunately, there are times when an individual will receive his or her credit card statement and notice an inaccuracy. When this happens, it is paramount that the individual takes swift action to correct the issue, as choosing to ignore it can lead to a wide range of issues down the road. Please continue reading and reach out to a dedicated New York City credit report lawyer from Rahman Legal to learn more about credit report inaccuracies and what you need to do once you notice one. Here are some of the questions you may have:

What are some common examples of credit report inaccuracies?

There are various different types of mistakes and errors that can appear on a person’s credit report. Fortunately, however, in most cases, these inaccuracies are rather trivial and can be fixed easily. That said, any inaccuracy at all, even a slight misspelling of your name, is something you need to fix immediately. Some of the most common inaccuracies as reported by consumers here in the United States are as follows:

  • Personal information errors
  • Errors regarding data management
  • Balance inaccuracies
  • Account status errors

What steps should I take if I notice an inaccuracy?

The first thing you should do upon noticing a credit report inaccuracy is report it to the Credit Bureau. You will likely also have to speak with the furnisher and other entities. Our firm can help you do so. If they refuse to correct the issue, you may have grounds for a lawsuit. Do not file a claim without a competent attorney in your corner. You must also ensure you file your claim timely, as consumers only have five years from the date the violation occurred to file a lawsuit under the Fair Credit Reporting Act.

If you have any further questions about report inaccuracies or you would like to speak with our firm, simply pick up the phone and give us a call or contact us online today. We are here to help you in any way we can.

Contact Us Today
  • This field is for validation purposes and should be left unchanged.