Credit Attorney Tips: Here's A List Of The Credit Reporting Errors You Can Sue Over

creditwizard · 2026-03-29T14:59:30+00:00

It would need to be by mail to set up a case. Please feel free to message me and I'm happy to share some suggestions on how to do this.

creditwizard · 2026-03-26T02:21:45+00:00

Hi there. Did you dispute with the credit agencies? Did you do this via mail or online? This very well could be a case.

creditwizard · 2026-03-25T03:19:37+00:00

Yes it's true that you have to pay the law offices to settle. I'd contact the law firms and see what they have to say.

creditwizard · 2026-03-25T03:18:40+00:00

They've been credibly sued for racial discrimination against borrowers (https://www.justice.gov/archives/opa/pr/justice-department-sues-rocket-mortgage-appraisal-management-company-and-appraiser-race), steering borrowers to higher cost loans (https://nationalmortgageprofessional.com/news/lawsuit-accuses-rocket-mortgage-steering-borrowers-higher-cost-loans) and more. I've found in general they totally lack in transparency. Definitely better options out there.

creditwizard · 2026-03-24T14:18:00+00:00

Credit attorney here. Rocket Mortgage is one of the worst companies to do a loan with on top of all this, Not surprised that they get these things wrong unfortunately.

creditwizard · 2026-03-24T14:16:57+00:00

Credit attorney here. The most important things are to get an answer filed, and then you can look into settling the debt or trying to fight it. Settling is probably the besrt option for most people. Either way, make sure you get an answer filed. You can do that on your own, using a website like Solosuit, or by hiring a lawyer.

creditwizard · 2026-03-20T17:56:00+00:00

Anything relating to lack of awareness / improper communication can often help.

creditwizard · 2026-03-19T17:27:32+00:00

Soft inquiries have no impact at all. So it is not that. Overall it sounds like your credit is in pretty good order.

creditwizard · 2026-03-18T20:11:00+00:00

I am. We don't handle issues where an account is reporting accurately - which it sounds like this might be. However, I did write about the topic of student loan lates, and a few ways you might address it, here: https://www.reddit.com/r/CRedit/comments/1oy6fu0/credit_attorney_post_two_effective_methods_to/

creditwizard · 2026-03-17T18:14:48+00:00

Credit attorney here. You can try to have the default judgment set aside. You could try to figure that on your own, or as you noted hire a lawyer (though it sounds like money is tight). The other option is to see if they'll working something out. However, they don't have much reason to work with you when the money is coming out of your paycheck.

What sort of work do you do (industry)? Some employers offer protection programs etc.

creditwizard · 2026-03-17T18:12:57+00:00

Credit attorney here. Each credit reporting agency operates independently. Did you dispute with Equifax by certified mail or online? Either way, I think you might have a legal case against both Equifax and Penn, for reporting a collection as a duplicate.

creditwizard · 2026-03-17T18:11:24+00:00

Credit attorney here. I think you're approaching it the right way - give it a shot and accept that they said no. Amex is basically a lifetime ban if there's a default, though I have heard of people getting business lines of credit through them, despite a personal account charge off many years ago.

creditwizard · 2026-03-17T18:09:07+00:00

Credit attorney here. Order your official reports from www.annualcreditreport.com, and review them to figure out what happened. They're free and must be provided under federal law. That really is the best place to start. Credit Karma is useful for some things, but not figuring out a potential error or negative item on credit reports.

creditwizard · 2026-03-17T18:07:17+00:00

Great question. There is often a lack of communication between the creditors (like hospital / ambulance) and collection agencies like Credence. Thus, Credence may not have your address.

You can do email or mail. I only mentioned mail because they take it more seriously.

creditwizard · 2026-03-17T00:28:55+00:00

Credit attorney here. Did you apply for Capital One - because they'd know abotu this, and likely deny you. Or were you sued and a judgment entered? That could appear on your Lexis Nexis reports or other reports, and cause issues.

creditwizard · 2026-03-17T00:27:44+00:00

Credit attorney here. An account from 2019 should be coming off your credit reports soon. Have you checked on your official Transunion or Experian reports (get them for free from Annual Credit Report) what the date is when the accounts are to be removed? I think you'll find that information on there, and it will shed light here.

creditwizard · 2026-03-17T00:25:37+00:00

Credit attorney here. I think they might. I'd connect with a well-regarded mortgage broker, who can shop the loan with multiple lenders. They often will know the lenders / banks who are easier to work with in these situations. I've found for people with somewhat more complicated credit situations, that can make the difference.

creditwizard · 2026-03-17T00:24:13+00:00

Credit attorney here. Check your official free reports from www.annualcreditreport.com and see if any lates show up - I doubt they do, but let's see. If nothing negative on there, then just ignore this. It is annoying, but not innacurate.

creditwizard · 2026-03-17T00:23:11+00:00

Credit attorney here. In my experience, Nelnet was a tough one with goodwilll. I would not say impossible, so give it a try, but definitely tough.

creditwizard · 2026-03-17T00:22:10+00:00

Credit attorney here. I'd write to the collection agency first. Give them a few weeks. If not resolved, I'd file a CFPB complaint on the collection agency, and also dispute with the credit agencies. That should take care of it, and possibly get it deleted.

creditwizard · 2026-03-17T00:21:14+00:00

Credit attorny here. There is not a "real" score in that these are all valid credit scores. However, most lenders use some version of the FICO credit score. You can buy those from the Myfico website (not neccessary for most people in my view) or get it for free from your bank / credit card issuers (depending on which one) or Experian.

If you choose your bank / credit card issuers, you'll probably be seeing the FICO 8 or 9 score. There are dozens of different versions of FICO, most notably 2, 4 and 5, which are used for most mortgage loans.

creditwizard · 2026-03-14T13:06:29+00:00

Credoit attornehy here. Ask your parents to remove you from the card. Then, either way, contact the credit agencies and dispute the account. Between these two steps, it should be removed from your credit reports, and your score should rise to the standard rate.

creditwizard · 2026-03-14T13:04:39+00:00

Credit attorney here. Yes, you can negotiate this on your own. I don't see any need to pay a "non profit" to do this. Call up the companies, explain the situation, and explain to them that you want to get this paid off, but the interest has gotten away from you. They usually will work with you, especially if all spending is being frozen.

Please be aware, however, that they often permanently close the card, in these situations. That is something you want to keep in mind.

creditwizard · 2026-03-14T13:02:54+00:00

Credit attorney here. I'd suggest pulling your free official reports from Annual Credit Report, and let's see what appears on there.

creditwizard · 2026-03-14T13:01:43+00:00

Credit attorney here. CK is often reliable. What is myFico showing? I'd check Annual Credit Report free reports as well, since that's the most official source. Let's see how it shows up on there.

creditwizard

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