Reporter Describes Arduous Journey Fixing Credit Report Errors

credit report errorsCredit reporting agencies’ “files are full of obvious credit report errors that the companies are in no rush to correct.”

So says journalist Bobby Allyn, who was stymied by credit report errors maintained by credit reporting agency Trans Union.

When trying to get an apartment, mistakes in his credit report falsely said that he was a convicted felon, preventing him from renting.

What did it take to fix them? As he says “It took me more than a dozen phone calls, the handiwork of a county court clerk and six weeks to solve the problem. And that was only after I contacted the company’s communications department as a journalist.”

Credit Reporting Agency Complaints

The major credit reporting agencies, Trans Union, Equifax, and Experian are the most complained-about companies in America. Collectively, they maintain credit files on almost every American. These files are what creditors use to determine whether to issue us credit for homes, cars, and credit cards.

Yet, 80% of complaints about these credit reporting agencies are based on incorrect information contained in the reports and credit reporting errors never fixed. This causes credit denials, and when credit is offered, the interest rates may be higher than they should be.

The article is a fascinating story of how the reports were, eventually, fixed.

The article is here: How the careless errors of credit reporting agencies are ruining people’s lives

Not everyone has the resources of a big-city reporter, and many people’s attempts to fix their credit fall flat. If you have inaccurate information on your credit report, contact Culik Law to see if we can help or use or Free Credit Report Dispute Kit. Know your rights and protect them using the Fair Credit Reporting Act (FCRA).




CULIK LAW PC is a consumer protection law firm helping individuals Champion Your Rights. Based in Boston, Massachusetts and Charlotte, North Carolina, we help clients with debt defense, mortgage litigation, foreclosure defense, consumer protection, and employment related matters. We have gone against the largest banks and debt collectors on our clients' behalf, saved hundreds of homes from foreclosure, and have settled thousands of debts for significantly less than owed or had the debt dismissed altogether.