Amir Goldstein, founding partner at Law Offices of Amir J Goldstein in Los Angeles, CA, reveals step by step process he uses in correcting mistakes in a credit report. For more information visit https://consumercounselgroup.com/
Los Angeles, CA, United States - August 3, 2020 /MM-REB/ —
In a recent interview, top-rated lawyer Amir Goldstein, founding partner at Law Offices of Amir J Goldstein in Los Angeles, CA, revealed the four-step process in correcting mistakes in a credit report.
For more information please visit https://consumercounselgroup.com/
When asked for a comment, he said, "As an error on your credit report can greatly impact your life, it's not something that should be taken lightly. Under the Fair Credit Reporting Act - known as the FCRA – the following are four things you may need to prove a violation with regards to your credit.”
The first step in the process is to correctly identify the problem, which, according to Goldstein, might not always be black and white.
“Cases of mistaken identities or double charges are easy to identify as the nature of the mistake was committed by someone else and not you. However, there are harder ones to identify. For instance, I recently had a case in which a client’s credit report showed that he was late in making payments for a loan that he had already paid off. Part of the problem was that there was a fee he didn’t know about. These grey area issues are more difficult to deal with,” he said.
The trick, he mentioned, is to correctly pinpoint and articulate the error in the credit report. To do this, the next prong in the process is crafting and sending out a letter that has an explanation of the problem and supporting documents.
When asked what exactly to include in the letter, Goldstein said, “You’ll want to give your name, address, identifying information regarding the account that’s being reported, the account number, and provide as much detail as you can as to why you feel that the report is erroneous. Make sure to submit any added documentation that supports your claim.”
He continued by saying, “Make sure to send the letter to the creditor and to the three major credit bureaus - Experian, Equifax, and TransUnion - or to whichever credit reporting agency you're dealing with. You'll also want to make sure that you keep copies for your records because then you’ll have proof you sent the letter if you need to file a claim.”
Should the credit bureau fail to amend the mistake, the next step is seeking legal counsel.
"The move at this point would be to call an attorney in your area who specializes in credit abuse because you might be in a position to have a violation under the FCRA," he said.
To move forward with an attorney, as the final step in the process, it may be necessary to show proof of damages.
When asked for a specific example, he said, “Any letter of denial of credit could be proof of damage or even emotional damage may be considered. If they’ve requested any type of credit increase and they are denied the company will usually have to send you a letter stating you are denied and that letter could be used as proof of credit damage.”
“If you do all these things in sequential order by date, you will have a strong case for a green-lighted for an FCRA violation. And an attorney who understands this type of law will be able to file a case for you," he said.
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Contact Info:
Name: Amir J. Goldstein
Email: Send Email
Organization: Law Offices Of Amir J. Goldstein, Esq.
Address: 7304 Beverly Boulevard, Suite 212, Los Angeles, CA 90036
Phone: (323) 937-0400
Website: https://consumercounselgroup.com/
Source: MM-REB
Release ID: 88971060
