Your credit rating can impact your life in a multitude of ways. Accordingly, any mistakes on your credit report must be addressed immediately, and the bankruptcy professionals at Bueker Law Firm can provide you the tools to do so. Based in Stuttgart, AR, these lawyers have seen firsthand the damaged caused by inaccurate credit reports. That’s why they urge their clients to watch their credit ratings and take decisive action if a mistake is made.

Bankruptcy & Credit Reports: Your Guide to Getting Errors Fixed

How Can I Access a Reporting Agency?

Whenever a person takes out a loan for a larger purchase, the loan provider typically checks credit ratings using one of three reporting agencies: TransUnion, Experian, or Equifax. You can also access reports online through these agencies. In general, it’s recommended that you view all three to ensure the information is accurate.  

What Happens Once I Receive a Report?

Once you’ve accessed a report, it’s important that you go over it very carefully to ensure all the information is correct. You can compare the report to your bankruptcy documentation, which should list each debt. All discharged debt should be listed on the report with an amount reading $0.

How Can I Identify Mistakes?

If you’re sure the debt was discharged, and the report lists the balance as being due, then the report is providing inaccurate information. In this case, your next step should be making a list of all errors and sending it to the reporting agency where they appeared. Make a return receipt mandatory; this will provide evidence that the correspondence was actually received.

Whether you’re concerned about repossession, have bankruptcy questions, or would like to speak with an attorney about a foreclosure on your home, the team at Bueker Law Firm is poised and ready to help. Schedule a consultation in Stuttgart today by calling (870) 673-1313. You can also visit this firm online to learn more about the available legal services.