Your credit report is a record of your credit activities, including home and auto loans, credit card accounts, and actions taken against you because of unpaid bills. Your report also contains identifying information about you, public records (like judgments or tax liens) and a credit rating based on your how much you have borrowed and how promptly you repay your debts. Specialty credit reports may contain your employment history, criminal record, insurance claims or check writing history. While not absolute, you have a right to keep this sensitive information private from those with no permissible purpose to see it.
The Fair Credit Reporting Act (FCRA) provides not only that the information in credit reports must be accurate, but that it not be shared with companies who have no purpose in seeing it. While companies with whom you are doing business (like your credit card bank) can “pull” your credit report periodically to perform Account Reviews to see if they want to keep doing business with you, the right to pull Account Reviews generally ends when you discharge that debt in bankruptcy. Since there is no longer an account to service, there is no right for that creditor to see your report. Unfortunately, because many of your former creditors’ systems are programmed to continue performing automated Account Reviews, they may continue to illegally access your credit file long after your discharge.
You have the right to stop this. Our Discharge Compliance Review includes a free review of all of your credit reports. If we find that either the Credit Reporting Agencies — or your former Creditors — are violating the FCRA, we can take action to enforce your rights, correct your report, and seek money damages. Since we are paid only from what we collect, there are no out of pocket fees for you to pay.
We have been litigating credit reporting cases since 1998 and regularly bring cases against major credit reporting agencies Experian, Equifax, and Trans Union, as well as creditors or collectors who unlawfully pull credit reports.
If a credit reporting agency or creditor is reporting false information about you, contact us. We will protect your right to credit privacy.