Credit scores are the lifeblood of many of your financial needs. And your score is only as good as the information on your report. If the trade lines on your report are inaccurate, your score drops, and you either pay a higher interest rate or you are denied credit altogether.

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As electronic data storage became a reality back in the late 1960s, the ability to amass information about your creditworthiness was born. As businesses began to rely upon this information in screening borrowers, the United States Congress stepped into provide protection to consumers. In 1970, the Fair Credit Reporting Act ("FCRA") was signed into law. However, like so many other laws, the FCRA was the result of compromise. The biggest compromise was that if inaccurate information was put on your credit report, consumers had no private right of action against either the furnisher or the consumer reporting agencies (e.g., Equifax, Experian and Trans Union) for either intentional or unintentional errors. But the law does provide for a private right of action if a consumer found and disputed the item, and it was not corrected in 30 days. That's just one of the ways that we can help.