Alabama Credit Report Attorneys
One of the biggest problems facing Alabama consumers trying to strengthen their finances is the presence of false information on your credit reports. Inaccuracies on your credit report can seriously damage your ability to get a loan, to find a job, and cost you thousands in increased interest rates. Federal law prohibits Credit Reporting Agencies from publishing false information on your credit report. The Fair Credit Reporting Act (FCRA) requires credit reports to contain accurate information. If they fail to do so, they may be liable to you for the damages caused by their reports.
Don't let a bad credit report stand in the way of your economic freedom. You rights are protected under the Fair Credit Reporting Act. At the Birmingham, Alabama, offices of Gina H. McDonald & Associates, our attorneys can pursue litigation on your behalf to make sure your credit is reported accurately.
Credit Reports and Bankruptcy
If you have been through bankruptcy, then your credit reports must show all of the debts you discharged in bankruptcy as having a balance of zero. If your credit report shows that you still owe money on a debt you discharged in bankruptcy, then the credit reporting agencies are required to correct the false information or be liable to you for damages caused to your credit. At the Birmingham, Alabama law firm of Gina H. McDonald & Associates, we can help you make sure that you get the full benefit of the "fresh start" of bankruptcy. Rebuilding your finances after bankruptcy is difficult enough without unfair credit reports dragging you down. We make sure that anyone who falsifies our clients' credit reports either fixes it fast, or pays the price.
Has Bankruptcy Already Ruined My Credit?
ABSOLUTELY NOT. For most people, their credit is worse on the day they file bankruptcy than it is a few months after they have come out of bankruptcy. Think about it: would you rather lend money to someone who already owes thousands to several other people? Or someone who owes nobody anything? You can definitely rebuild your credit after you file bankruptcy, but only if the credit bureaus and your creditors do not drag you down by reporting false information.
Fair Credit Reporting and Bankruptcy in Alabama
Schedule an appointment and talk with one of our experienced lawyers about what to do unfair credit reporting issues. We have offices in Birmingham and Oneonta. Contact our firm by e-mail or by calling us toll free at 888-412-9047.