Oregon Credit Report Lawyer Michael Fuller
I’m an Oregon credit report lawyer. I fix credit reports. I fight identity theft.
How to Fix Credit Reports
Many credit errors can be fixed without an attorney.
Download your free credit reports each year. If something doesn’t look right, send a dispute letter.
Sample Dispute LettersSample Equifax Dispute Letter Sample Experian Dispute Letter Sample Trans Union Dispute Letter
Ask an Oregon Credit Report Lawyer
I’m happy to tell you what I know at no cost. Credit reporting is about 20% of my practice. To speak with a FCRA expert, contact Justin Baxter at (503) 297-9031 or Robert Sola at (503) 295-6880.
How to Write a Dispute Letter
Read your free credit reports and circle any errors. Then write dispute letters to Equifax, Experian, or Trans Union:
PO Box 740241
Atlanta, GA 30374
PO Box 2002
701 Experian Pkwy
Allen, TX 75013
PO Box 1000
Chester, PA 19022
Send copies to all companies related to the dispute. Send the letters by USPS first class regular and certified mail, return receipt requested. Scan copies of the letters and the stamped envelopes to keep for your records.
The Fair Credit Reporting Act requires the reporting agencies to investigate your disputes and get back to you.
If you’ve followed the steps above and still need help, call me immediately. If I can’t help, I know local credit report specialists who can. The FCRA can be complicated. Although you can file a lawsuit in small claims court yourself, you probably want the help of an Oregon credit report lawyer.
How the Dispute Process Works
Within 5 business days after receiving your dispute, the reporting agencies must pass the dispute along to the furnisher. The “furnisher” is the company that originally sent the false information to the reporting agencies. An ACDV form is standardized form reporting agencies use to tell furnishers about credit disputes. Read 15 U.S Code § 1681i(a)(2).
If the reporting agency determines your dispute is frivolous, it must notify you within 5 business days. Read 15 U.S. Code § 1681i(a)(3). Within 30 days after receiving your dispute, the reporting agencies and furnisher must investigate, review all relevant information, and delete any incorrect credit information. Read 15 U.S. Code § 1681s-2(b); i(a). To see an actual credit reporting case, read Gorman v. Wolpoff.
The reporting agency must generally provide reinvestigation results to you within 5 business days. Read 15 U.S. Code § 1681i(a)(6).
Enforcing the Fair Credit Reporting Act
If a reporting agency or furnisher doesn’t properly reinvestigate your dispute, you may file lawsuits against them under the Fair Credit Reporting Act. Read 15 U.S. Code § 1681s-2(b).
However, in Oregon, the mere fact that false information is on your credit report doesn’t necessarily mean you can file a lawsuit. You must generally send dispute letters before filing a lawsuit based on false credit information.
Credit Reporting After Bankruptcy
After bankruptcy, your credit reports should show all accounts as closed, zero balance past due, and discharged. For more information about credit reporting after bankruptcy, visit my site www.bankruptcyenforcement.com.