Many people living in Pennsylvania and around the country are not aware of how their credit score and history can impact their day-to-day lives. Credit card companies, bank lenders, insurance companies, employers and landlords regularly check credit scores before deciding to work with an applicant.
Unfortunately, many people are unaware of negative information on their credit reports. You may have had the experience of attempting to apply for an apartment, a credit card or a job only to be informed that you have been disqualified because of your credit.
The Fair Credit Reporting Act provides you with certain rights, including the right to dispute negative information on your credit report. You also have the right to be notified by an individual or business that takes adverse action against you, such as rejecting a job application, because of your credit.
Unfortunately, knowledge of a negative credit history is often cold comfort after you have been turned down for credit, employment or housing. In addition, many consumers have found that credit reporting agencies can be unresponsive when it comes to removing negative information on a credit report that is the result of inaccurate reporting for identity theft.
Our consumer protection attorneys are very familiar with the Fair Credit Reporting Act and its enforcement. An attorney may be able to address inaccuracies on credit reports, including those created by identity thieves, former spouses or creditor mistakes. An attorney may also be able to take action against employers or landlords who failed to inform you that your credit report was the deciding factor in turning down your application. We invite you to review our page on consumer protection and fair credit reporting to learn more about your rights.