California Credit Report Attorneys

Credit reporting agencies collect and disseminate information about your credit practices to creditors, employers, insurance companies, landlords and others that have a legitimate purpose in receiving such information. When an error is entered on your report, it may affect your ability to get credit. Both Federal and California law give consumers rights that are helpful in correcting this information. If you believe that an entry in your credit report is inaccurate, you should write to the credit reporting agency requesting that they verify the existence and accuracy of the entry. If the credit reporting agency cannot verify the information, the law requires them to remove the entry from your file. You can also request that the credit reporting agency inform recent recipients of the erroneous report of the correction. The following is the contact information for the three major credit reporting bureaus:

Equifax
1 (800) 525-6285.

Experian (formerly TRW)
1 (888) EXPERIAN, (888) 397-3742.

Trans Union
1 (800) 680-7289.

If the dispute over the completeness or accuracy of the entry is not resolved to your satisfaction, you should write a consumer statement of 100 words or less stating the nature of the dispute. The consumer reporting agency must then include the statement in all future reports. Information that is older than seven years, or 10 years in the case of judgments and bankruptcies, must be deleted from your file.

For more information, please contact Group Law Service at 661-325-3425.