Your credit rating and credit score should be an accurate, honest representation of your credit track record. So, when credit cards, banks, or other financial institutions submit false information about you to the credit reporting agencies, you’re right to want the mistake corrected.
No one should be forced to pay higher interest rates or be denied credit because of bad credit reporting. The attorneys at Matthew R. Osborne, PC understand the feeling of injustice that can come with being the victim of bad credit reporting. We are consumer advocate lawyers who represent good people who’ve been done wrong through the credit reporting system.
We Help Protect Your Good Name
Colorado state laws that govern the credit reporting system are actually designed to give the consumer a fighting chance against ‘bad’ creditors. The challenge is knowing how to navigate the legal landscape in a way that results in a favorable outcome, whether that means the retraction of a derogatory credit report, assignment of punitive damages for the creditor, or something else entirely.
If you’ve been on the receiving end of falsely reported late payments, delinquencies, or defaulted loans, there is something you can do. You’re not trapped, and the legal team at Matthew R. Osborne, PC can help you fight back against the false reports, restoring your credit worthiness and giving you back your peace of mind.
Here is an example of how a typical client is helped by the attorneys at Matthew R. Osborne, PC, in cases involving bad credit reporting:
Step 1: The consumer receives a false negative credit report from a creditor, with or without notification. Often, the unfounded credit ‘ding’ is a complete surprise that only surfaces when the consumer is applying for credit somewhere, and they’re unexpectedly denied.
Step 2: Under the guidance of the attorneys at Matthew R. Osborne, PC, the consumer submits a written notice of dispute to the issuer of the false report. The creditor in question then has a set period of time to correct the false credit report, often between 30 and 60 days.
Step 3: If the creditor does not take action by the lawful deadline, a lawsuit can be filed. This lawsuit will be led by the proven, trusted legal professionals at Matthew R. Osborne, PC, with updates provided to the consumer at every step.
Step 4: In most cases, a successful false credit reporting lawsuit can result in compensation for the debtor, reimbursement of attorney’s fees, or punitive damages for the creditor. Every case is different, and as such, results vary widely.
At Matthew R. Osborne, PC, we help consumers take back control of their credit. If you believe you have a case against a creditor who has logged a false credit report in your name, contact us today. We’ll consult with you for free, and we’ll explain all of your options.