Legal Action To Remove Inaccurate Credit Reporting
At Credit Restoration of Texas, we help clients take legal action when credit bureaus, creditors, or collectors fail to correct inaccurate or false credit reporting. Backed by the Fair Credit Reporting Act (FCRA), we’ve helped thousands improve their credit by holding reporting agencies accountable - and in many cases, clients are compensated for the damage done.
How Legal Credit Challenges Work
We don’t just dispute errors—we take things further. If your report includes inaccurate, outdated, or false information, we’ll strategically challenge those items. If they are not corrected, you may be eligible for a free referral to a Fair Credit Reporting Attorney.
Once your case is accepted, the attorney will sue the responsible parties in federal court. In nearly all cases, the item is removed and you may receive compensation of $500 or more for the violation.
Top 10 FCRA Violations That Qualify for Legal Action
- Paid or settled debt still shows a balance
- Creditor reports a balance after issuing a 1099-C discharge
- Duplicate accounts listed on your credit report
- Debt buyer and original creditor both report the same debt
- Unknown or unauthorized accounts appear
- Short sale is incorrectly reported as a foreclosure
- Bankruptcy-discharged debt still shows as owed
- Accounts too old to legally remain on your report
- Your credit file is mixed with another person’s data
- Authorized user accounts report incorrect shared activity
Free, Confidential Legal Credit Review
📞 Call 210-248-9061 for a free consultation.
Start by accessing your credit report at ProtectMyCreditScore.com
If your rights under the FCRA are being violated, we’ll help you fight back – and fix your credit for good.
Take Control of Your Credit Today
Your financial future starts now. Get expert help to fix your credit, protect your identity, and unlock better rates and opportunities.