It’s easy to forget just how much of an impact a credit report can have on your day-to-day life. Landlords may look unfavorably on your circumstances, as may mortgage providers, leaving your living arrangements in limbo.
Some jobs run your credit report before making an offer, and a low score might lose you an interview. Naturally, poor credit makes it more difficult to obtain loans and credit cards, and those that do accept you may charge interest rates that are far from consumer friendly.
Poor credit due to money troubles or mismanagement is one thing, but what if your credit report is negatively impacted without your knowledge?
Credit errors, fraud, and identity theft are all genuine considerations when maintaining a correct score. It may be worth speaking to a legal services professional if something goes wrong.
Being Your Attorney-Client Relationship with Bell Law Today
At Bell Law, we help consumers and clients that wish to protect their rights and correct anything that may have negatively affected them, all in the pursuit of justice. Our lawyers work to gain a thorough understanding of your case and ensure that Kansas consumer protection law works in your favor.
All you need is our phone number to get started with a free consultation. Contact us today, and from there, we’ll schedule a more in-depth investigation of your case. Reach out today at 816-281-0649.
Your Credit Report is Worth Protecting
As touched on already, a poor credit score can have a significant impact on your lifestyle. It can quickly become stressful if your score drops due to something beyond your control.
That’s one of the reasons why our lawyers make it their job to help you put things right. Clients should never forget that the law is on their side, and we work diligently in Overland Park and throughout Kansas to ensure that no client must suffer due to the acts of business or malicious individuals.
A poor credit score can ultimately mean you pay more for housing, insurance, and even an internet contract. Still, your attorney will ensure access to a number of efficient strategies to put things right.
Your Rights Under the Fair Credit Reporting Act
The importance of your credit score is no secret, and this led to the implementation of the Fair Credit Reporting Act (FCRA) in 1970. Your best interests are legally protected on both state and federal levels, and the FCRA is key to ensuring no surprises and relatively easy fixes when something comes up.
Critical protections afforded by the Act include:
- The right to contact credit reporting businesses annually for a free copy of your current report.
- A legal right to dispute additions or alterations to your report due to inaccuracies, fraud, or identity theft.
- The legal capability to request the removal of outdated information that negatively affects your score by a specific date.
- Preventing access to your report by anyone other than specific employees that need your score as part of doing business.
Repairing Your Credit in Overland Park
If your credit score was previously compromised due to specific circumstances, such as bankruptcy, then a consumer protection attorney may be able to help address it. Our attorneys take a professional approach to each case regardless of the reason behind it and help consumers not to hope for recovery but to follow a fair, documented strategy.
Beyond this, it’s vital to remember that if something seems too good to be true, it often is. Some businesses target those going through bankruptcy and similar procedures with promises of credit repair services. However, if you receive a message or phone call from a company promising a speedy credit repair service, be aware that it is usually a scam involving up-front fees.
In many cases, these companies will require an individual to fill in a form and pay ahead. However, once a firm is in receipt of the fee, their services turn out to be another form of fraud – which is not what anyone needs during their financial recovery.
It is a far better approach to consult an attorney who can achieve similar ends on a realistic timescale.
When you work with Bell Law, you can expect a passionate attorney that will carry out a number of tasks on your behalf to ensure your credit score returns to where it needs to be promptly and legally.
Speak to an Overland Park Credit Reporting Lawyer Now
The consumer journey with Bell Law always begins with a free consultation. This allows you to get to know us and us to know you and sets the tone for the work ahead. Our firm will immediately work to understand your unique circumstances and outline the kinds of services we offer to help people reach both their personal and legal goals.
Our team is always fair but will also be firm when challenging information or helping tackle identity theft or other specific issues.
We work in Overland Park, as well as Kansas City, and throughout numerous other locations across Kansas and Missouri to ensure that our clients never need to suffer from an incorrect, compromised, or repairable credit score.
Whether you’re seeking justice or want to take the first steps towards a more respectable number on your credit report, we’re here to help. Reach out to our head office located in Kansas City, Missouri, today to help get to grips with your options at 816-281-0649.