Changing Old Information on My Credit Report

Credit reports are becoming an ever-more important factor in many areas of our daily lives. You run the risk of losing potential employment, personal loans or housing opportunities by virtue of your credit score. It is important to diligently monitor your credit score and credit history by getting a regular credit report through any of the three major reporting agencies — Equifax, Experian and TransUnion.

The Illinois consumer rights lawyers at Ledford, Wu & Borges, LLC not only guide you through the bankruptcy filing process, but also give you the tools necessary to prevent yourself from falling into the same debt traps in the future. Monitoring your credit report is only one tool that can help you.

What Do I Do If I Find An Inaccuracy?

By carefully examining your credit report, you will immediately notice if an error has been made. As soon as you see a mistake, it is wise to contact the reporting agency. We encourage our clients to send a certified letter to the appropriate credit bureau referencing the report, the inaccuracy and the correct information. We also recommend keeping a copy of this letter and all corresponding documentation for your own personal records.

After being notified of an error, the reporting agency typically has 30 days to correct the mistake. If they do not fix the error within the allotted time, contact us.

Schedule a Free Consultation Today

Find out if bankruptcy is the right option for you. Call 312-574-3327 or contact our Chicago offices by e-mail to discuss your options during a free consultation with an attorney.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.