FIX CREDIT AND IDENTITY THEFT
When Disputes Go Nowhere
Incorrect credit reporting and identity theft can affect employment, housing, insurance, and loan eligibility.​​
Many clients contact us after they have already disputed errors and nothing changed. At that point, legal rights may come into play.
Issues We Commonly See
In many cases, the problem is not the initial error. It is the failure to fix it.
Account that do not belong to you
Credit reports sometimes list accounts that were never opened by you. These errors can result from data matching issues, reporting mistakes, or identity theft, and they can significantly affect your credit profile if left uncorrected.
Mixed or merged credit files
Credit reporting agencies sometimes combine information from individuals with similar names, addresses, or Social Security numbers. Mixed files can cause serious inaccuracies and require targeted correction efforts.
Failure to correct errors after disputes
Many clients contact us after submitting disputes that were ignored or improperly handled. When errors remain despite good-faith disputes, additional legal remedies may be available.
Identity theft related reporting
Even after identity theft is reported, fraudulent accounts or activity may continue to appear on credit reports. Proper documentation and enforcement of consumer protection laws are often required to stop repeated or ongoing reporting.
Incorrect balances or statuses
Accounts may be reported with incorrect balances, payment histories, or statuses, such as showing delinquent when paid or open when closed. These errors can affect lending decisions and must be addressed directly.
Fraudulent Accounts Opened Without Your Knowledge
Identity thieves may open credit cards, loans, or other accounts using stolen personal information. These accounts often appear suddenly and require prompt action to prevent long-term credit damage.