Adam Bair's Consumer Protection Resources

Topic

Credit Reports

Wrong information on your credit report. How the federal Fair Credit Reporting Act lets you dispute it, and what the credit bureaus must do.

Educational only. Not legal advice. Reading this does not create an attorney-client relationship.

Articles

  1. FCRA Disputes: When the Credit Bureau's Reinvestigation Is Just a Rubber Stamp

    When a consumer disputes an item on a credit report, federal law requires the credit bureau to investigate. In practice, the investigation is often a brief electronic ping to the furnisher and a copy-and-paste verification of whatever the furnisher reports back. What the FCRA actually requires, why auto reinvestigations frequently fall short, and what to do when a dispute is verified incorrectly. Educational, not legal advice. Written for a national audience.

  2. I Paid the Debt. Why Is My Credit Report Still Wrong?

    A guide to the federal Fair Credit Reporting Act, the dispute process, and what to do when a paid debt still appears as unpaid on your credit report. Educational, not legal advice. Written for a national audience.

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