FCRA DisputesIn Idaho

The Fair Credit Reporting Act (FCRA) affords consumers a vast amount of protection, particularly in relation to their privacy and the handling of their personal information. It essentially regulates the way your sensitive data is managed and processed by consumer reporting agencies, ensuring that your rights are upheld. However, despite these regulations, errors can occasionally occur, potentially leading to disputes and complications for consumers.

If you find yourself grappling with an FCRA dispute, the seasoned legal team at Avery Law in Idaho is here to help you navigate through the complexities of the situation. With a proven track record of successful outcomes and over 65 years of combined legal experience, you can feel confident in our ability to assist you effectively with your case and advocate on your behalf. We prioritize your rights and work diligently to ensure that your experience is as smooth as possible.

There are a number of ways in which the FCRA is designed to protect consumers from credit report errors.

Here is a list of some of the protections it provides:

• Consumers have the right to dispute errors and report any mistakes to the agency that is supplying the report with incorrect information. That agency is also required to review the mistake.
• The reporting agency must have the error removed if the information cannot be verified as correct. Removal must be done within 30 days.
• If you resolved credit issues in the past, they can only linger on your credit report for up to 7 years (unless you file for a chapter of bankruptcy that shows up on your credit report for 10 years).
• If you discovered incorrect information on your credit report, you also have the right to sue for damages under the FCRA. You may also be able to sue the agency or individual that used the incorrect information against you.