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Welcome! This is an informational website about credit report disputes. Welcome to our mini-site! This site gives useful information about consumer law in Oregon. To find out more about consumer law and bankrutpcy in Oregon, please visit our main website at www.baxterlaw.com.
This information is provided by the consumer lawyers of the Consumer Litigation Group of Baxter & Baxter, LLP, a Portland, Oregon consumer litigation law firm, specializing in false credit reporting and unlawful debt collection cases.
Dealing with False Credit Reports and Credit Report Errors
Under the Fair Credit Reporting Act, consumers have the right to dispute false information in their credit reports. Under ordinary circumstances, credit reporting agencies and creditors are required to conduct an investigation in response to such a dispute.
It is not necessary to pay anyone to write a dispute letter -- you can do it yourself for free. Below is a short description of the process for disputing false information on your credit report.
1. Get a copy of your credit report. Under the Fair and Accurate Credit Transactions Act (FACTA), you are entitled to a free copy of your credit report each year. If you have been denied credit, you are also entitled to a free copy of your credit report.
While it is possible to access your credit report online, some credit reporting companies require consumers to give up important rights in order to access their credit report through their website. Also, it can be confusing navigating the many links to purchase services that you do not necessarily need. A better way is to request it by mail.
Consumers can request their free annual credit report by writing to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The request form is available at the annualcreditreport.com website.
2. Send a written dispute letter to the credit reporting agencies. Write a polite, professional letter detailing exactly what is incorrect and why. Be specific. Enclose documentation, such as police reports, correspondence with your creditors, and any additional information documentation you have. Tell the credit reporting agency if you are being prevented from obtaining credit, such as a mortgage, credit card, or auto loan, or if you are being harmed in other ways.
Send your letter via certified mail, with a return receipt requested. Keep a copy of your signed, dated letter, along with copies of enclosures.
3. Review the credit reporting agency's response. Check whether additional information is requested and send it. If the credit reporting company didn't understand your dispute, write again with a clearer explanation of your dispute. Always send your correspondence via certified mail, with a return receipt requested, and keep a copy of your signed, dated letter for your records.
If you cannot get false information removed from your credit report on your own, you can consider speaking to a consumer lawyer, such as the attorneys at Baxter & Baxter, LLP.
This website is intended to give consumers information about ordering their free annual credit report, and disputing false credit reports, how to dispute false and inaccurate credit reports, and credit report errors
.
To speak to a Vancouver WA bankruptcy attorney, visit www.baxterlaw.com.
If you require legal representation or advice about identity theft or false credit reports, how to dispute false and inaccurate credit reports, and credit report errors
, please contact Baxter & Baxter, LLP.
Consumer Protection Websites in Oregon
Credit Reporting Problem Websites
Debt Collection Abuse and Harassment Websites
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Contact Us
Baxter & Baxter, LLP
Consumer Litigation Group
8835 S.W. Canyon Ln., Ste. 130
Portland, Oregon 97225
Telephone (503) 297-9031
Facsimile (503) 297-9031
www.baxterlaw.com
This is an informational website
about credit report disputes, dealing with how to dispute false and inaccurate credit reports, credit report errors, and false credit reports in Oregon, presented by the consumer lawyers of Baxter & Baxter, LLP.*
The consumer attorneys of Baxter & Baxter, LLP, are frequently contacted by media outlets seeking comment or background on breaking news stories involving identity theft, credit reporting, unlawful debt collection, and other consumer issues. Media inquiries can be directed to Justin Baxter at (503) 297-9031.
* The information provided on this website is intended as general information for the public and for advertising purposes. It is not intended as legal advice. If you believe you need legal representation or advice, please contact the Oregon consumer attorneys of Baxter & Baxter, LLP. Information about Inaccurate Credit Reports and Credit Report Errors
Common Questions about False Credit Reports and Credit Report Errors
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