Attorney Assistance in Protecting Your Credit Rating
Orange County — Los Angeles County — Long Beach, California
Under state and federal law, you have a legal right to a fair and accurate credit rating as reported by your creditors. Unfortunately, many creditors make errors, or purposely or carelessly provide inaccuracies that are damaging to credit reporting agencies.
Inaccurate credit reports can cause severe financial problems. By lowering your credit score, creditors who report inaccurate information can limit your access to credit and prevent you from purchasing property, refinancing debt and fully resolving your financial problems.
Your credit history is an important part of your financial wellbeing. You can benefit significantly from ensuring that creditors have accurately reported all information to credit bureaus. At the law firm of Brand & Spellman, P.C., we can take legal action against creditors for reporting damaging inaccuracies. The primary purpose of pursuing legal action is not only to recover damages but to encourage due diligence on the part of creditors.
Has a Creditor Reported Your Credit Information Incorrectly? Has a Creditor or Credit Agency Refused to Fix Credit Inaccuracies on Your Credit Report? We Can Help. Call Brand & Spellman, P.C. at 562-375-0317 or 866-345-2440 toll-free.
Federal Credit Reporting Laws Protect Your Rights
Your rights to complete, current and accurate credit reporting are firmly protected by state and federal laws:
- Under the federal Fair Credit Reporting Act (FCRA), creditors and credit information agencies must report all debts that have been discharged in bankruptcy with a balance of zero. Creditors cannot use language in the credit report that any discharged debt is still owed.
- The Fair and Accurate Credit Transactions Act (FACTA) is an addendum that expands upon the rights granted under the FCRA. It clarifies the various types of processes and procedures available to consumers.
Firm lawyers Donny Brand and Alex Spellman have extensive knowledge of credit protection laws and can help resolve your credit reporting problems. Whether you are currently pursuing bankruptcy with our firm, have already filed for bankruptcy in the past with another firm, or have no plans to file for bankruptcy but need to rectify damaging inaccuracies in your credit report, we can help.
Contact Us for a Free Initial Consultation
Do not allow unscrupulous or incompetent creditors and credit agencies to harm your credit rating, lower your credit rating, or prevent you from accessing credit. Instead, contact Brand & Spellman, P.C., in Long Beach, California, for a free initial consultation about protecting your credit rating.
We offer flexible evening and Saturday appointments, and are open until 6 p.m. Monday through Friday. We are conveniently located near California State University Long Beach and are easily accessible from the 405, the 22, the 710 and the 91.
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We are a debt relief agency. We help people file for relief under the Bankruptcy Code.
