FAIR CREDIT REPORTING ACT
Fair Credit Reporting Act (FCRA)
FCRA Violations
Post Bankruptcy Reporting
Unauthorized Account Reporting
Impermissible Accessing of Credit Reports
Credit Damage Claims
False account reporting is a damaging practice. Although you may have been through a bankruptcy claim, those creditors should not be reporting that you still have a balance due. This is a tactic that is used to prompt consumers to pay a bill when they shouldn't have to. If you have been through bankruptcy, that report should read no more than a $0 balance and that it has been charged off through bankruptcy.
Read the FCRA guidelines for all the details.
You should obtain a free annual credit report to review the information on it. It's your credit, you should know.
You can order your free annual credit report online at annualcreditreport.com
or call 1-877-322-8228
or by completing the Annual Credit Report Request Form and mailing it to:
Annual Credit Report Request Service
P.O. Box 10528
Atlanta, GA 30348-5281
When you order, you need to provide your name, address, SSN, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.
There are creditors and other various underhanded companies that try to access your credit report to determine your eligibility for a loan before you have been contacted. Even insurance companies that look at your credit report to determine the likelihood that you may accept a smaller settlement in an injury case due to your financial outlook. These are all crooked schemes, and you don't have to allow it.
You don't have to know all the bankruptcy law, Utah Consumer Claims Center can help you understand them.
Here are some very useful links on credit reporting laws and violations.
FCRA Summary
Correct Your Credit Reports
Information On Consumer Credit Reports
If you are not sure of where to begin, then please don't hesitate to ask. A qualified consumer lawyer can help you get answers, and get relief from debt collection. Utah State Consumer Protection Laws are in place for a reason, and we are here to uphold those laws for you, the consumer.
