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Disputing Inaccurate Credit Report Entries

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Rate:
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Publication date: 24.07.2025
Reading time: 1 minutes
Number of views: 101
№ Stage Term (days) Cost
  • 1
    Stage 1. Initial Analysis and Consultation
    5 $306.13

    Stage 1. Initial Analysis and Consultation

     

    Attorney's actions:

    • Reviews client's credit reports from Equifax, Experian, and TransUnion
    • Identifies potentially inaccurate, outdated, or unlawful entries
    • Verifies timelines, data consistency, and legal nature of entries (delinquencies, duplicates, fraudulent records, etc.)
    • Explains client rights under FCRA and proposes action strategy
  • 2
    Stage 2. Preparation of Official Credit Bureau Disputes
    7 $532.40

    Stage 2. Preparation of Official Credit Bureau Disputes

     

    Attorney's actions:

    • Drafts legally substantiated disputes to each credit bureau containing inaccurate entries
    • Attaches supporting documentation (statements, correspondence, court rulings, etc.)
    • Demands investigations per FCRA requirements (30-day mandated timeframe)
    • Submits disputes via certified mail with return receipt
  • 3
    Stage 3. Legal Oversight of Investigation and Creditor Communication
    45 $399.30

    Stage 3. Legal Oversight of Investigation and Creditor Communication

     

    Attorney's actions:

    • Monitors bureau response timelines (30 days from receipt)
    • Corresponds with creditors/collection agencies that provided inaccurate information
    • Requests additional evidence or clarifications when needed
    • Analyzes bureau responses: whether entries were updated, removed, or remained unchanged
  • 4
    Stage 4. Re-dispute Process or Litigation Preparation
    180 $2,662.00

    Stage 4. Re-dispute Process or Litigation Preparation

     

    Attorney's actions:

    • Files a secondary dispute with strengthened arguments if correction is denied or bureau responds inadequately
    • Prepares FCRA violation claim if credit bureau breached federal requirements
    • Files federal lawsuit for damages (financial/emotional) when necessary

     

    Timeline: 10-30 days (pre-litigation), court proceedings - up to 6 months
    Estimated Costs:

    • Re-dispute: $150-$300
    • Pre-litigation claim: $300-$600
    • Court representation: from $2,000+
  • 5
    Stage 5. Verification of Corrections and Record Updates
    10 $199.65

    Stage 5. Verification of Corrections and Record Updates

     

    Attorney's actions:

    • Obtains updated credit report copy after corrections
    • Verifies accuracy of changes made
    • When needed, sends updated report copies to client's banks, lenders, or employers
In general
247 $4,099.48

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  • poland Poland +48
  • england United Kingdom +44
  • usa United States +1
  • ae UAE +971
  • other Other +

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Disputing Inaccurate Credit Report Entries

Errors in your credit report can have serious consequences - from loan denials to higher interest rates. If you've found mistakes in your credit report, immediate action is required. Our legal service for disputing inaccurate entries helps resolve these issues quickly and effectively under U.S. law.

 

What Our Credit Report Dispute Service Includes

Our legal team provides comprehensive dispute support, including:

  • Review of Experian, Equifax, and TransUnion reports for errors
  • Preparation of dispute letters to credit bureaus and/or creditors (Furnisher Dispute Letter)
  • Correspondence management in compliance with Fair Credit Reporting Act (FCRA)
  • Submission of supporting evidence
  • Assistance with follow-up disputes or litigation if errors persist

We also provide credit score recovery consultations when needed.

 

Why Legal Assistance is Crucial for Credit Report Corrections

Disputing errors isn't just about sending letters - it's a legal process where wording and timing matter. Key reasons to hire a professional:

  • Proper demand drafting compliant with FCRA regulations
  • Higher success rates after initial submission
  • Protection of rights if bureaus refuse or ignore requests
  • Option to file damage claims for serious violations

An experienced lawyer serves as your advocate against the powerful credit reporting system.

 

Our Credit Dispute Process

We begin with a free case evaluation to determine legal grounds for dispute. Then:

  1. Analyze your credit report information
  2. Identify responsible parties (creditors or bureaus)
  3. Prepare official dispute letters
  4. Monitor responses and FCRA-mandated 30-day timelines
  5. If needed, file complaints with CFPB/FTC or initiate lawsuits

 

Service Eligibility

Available to any U.S. citizen or permanent resident who:

  • Found errors or outdated information in their credit report
  • Has evidence proving inaccuracies
  • Received no response or denial from credit bureaus
  • Possesses supporting documentation (letters, receipts, court orders)

 

Common Disputable Errors

Most frequent report inaccuracies:

  • Debts belonging to someone else
  • Incorrect delinquency or bankruptcy records
  • Closed accounts reported as active
  • Duplicate debt listings
  • Personal information mistakes

Legal support significantly improves correction success rates.

 

 

We recommend acting promptly - the sooner you address errors, the faster you can restore your financial standing. Our team works transparently with fixed rates and personalized approaches for each client.

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  • Have you found errors or inaccuracies in your credit report?
  • Have you already sent dispute letters to the credit bureau yourself?
  • Does your credit report contain outdated or false information?
  • Did you receive a denial or no response from the credit bureau?
  • Do you have documents proving the information is incorrect (receipts, letters, court decisions, etc.)?
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