Should I dispute unauthorized hard inquiries?

You should dispute hard inquiries that are not associated with applications for credit that you made because hard inquiries bring down your credit score and unauthorized inquiries could indicate that you are a victim of identity theft.  What is a hard inquiry? A hard inquiry is a record in your credit file (that appears on […]

Can you sue after a credit dispute?

When you dispute an inaccurate debt on your credit reports to one or more credit bureaus (like Equifax, Experian, and TransUnion), the Fair Credit Reporting Act (FCRA) requires credit bureaus and the creditor that supplied the inaccurate information to the credit bureaus (called a furnisher under the FCRA) to take action. Specifically, the Fair Credit […]

Will disputing inaccurate information on my credit report harm my credit score?

No!  And you should consult with an experienced consumer attorney about how to best dispute all inaccurate information on your credit report. Under the Fair Credit Reporting Act (FCRA), you — the consumer — are entitled to dispute any inaccuracies on your credit reports with Equifax, Experian, TransUnion, and Innovis (and any other consumer reporting […]