Credit Report Attorneys in NYC

Credit report errors may affect your ability to obtain credit, secure housing, or even land a job. At Sherman & Ticchio PLLC, our Credit Report Attorneys help individuals identify and rectify these inaccuracies.

What are Credit Report Errors?

Credit report errors are inaccuracies or discrepancies found on your credit report. These errors can range from minor mistakes to severe misrepresentations that harm your credit score and overall financial health.

Common types of credit report errors include:

  1. Incorrect Personal Information: Errors in your name, address, Social Security number, or date of birth. These inaccuracies can mix your credit history with someone else’s, leading to incorrect information appearing on your report.
  2. Account Errors: These may include accounts that do not belong to you, inaccurate account statuses (e.g., a closed account being listed as open), or incorrect balances and payment histories.
  3. Duplicate Reporting: When the same debt or account is reported multiple times, it can make it seem like you owe more than you actually do.
  4. Identity Theft: Fraudulent accounts or transactions can appear on your credit report if someone has stolen your identity.
  5. Outdated Information: Negative items such as late payments or bankruptcies that should have been removed after a certain period may still appear on your report.

How Our Credit Report Attorneys Can Help

Are you unsure of how to dispute the inaccuracies or your dispute has been unfairly denied? Don’t worry; Sherman & Ticchio PLLC can help.

Our Credit Report Attorneys are familiar with the Fair Credit Reporting Act (FCRA). Here’s how we can assist you:

  1. Thorough Credit Report Analysis: We start by thoroughly reviewing your credit reports from all three major credit bureaus. We also examine any reports from specialty consumer reporting agencies to ensure no errors are missed.
  2. Gathering Evidence: If inaccuracies are found, we help you gather all necessary documentation, such as previous credit reports, dispute letters, and proof of the errors. This evidence is important for building a strong case.
  3. Filing Disputes: Our attorneys will assist with drafting and filing detailed dispute letters to the credit bureaus and the information providers (e.g., banks, credit card companies) on your behalf. We ensure that all communications are sent via certified mail, so there is a documented trail of your dispute efforts.
  4. Legal Representation: If the errors are not corrected after the dispute, we are prepared to take your case to court. Under the FCRA, you may be entitled to compensation for financial harm, emotional distress, and even punitive damages.

Why Choose Sherman & Ticchio PLLC?

Our team, led by Brett D. Sherman and James R. Ticchio, has decades of experience in consumer law and credit report errors. Brett has been recognized as a Thomson Reuters “Super Lawyer” and a “Top-Rated Consumer Law Attorney in New York, NY” since 2020.

We understand that every case is unique. Our attorneys take the time to understand your specific situation and tailor our approach to meet your needs.

In many cases, our clients pay no attorney’s fees unless we win or settle your case. This ensures that everyone has access to high-quality legal representation, regardless of their financial situation.

If you’ve found credit report errors, feel free to contact us today for assistance.