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Parks Zeigler, PLLC - Attorneys At Law

Elizabeth City, NC 252-679-8880
Virginia Beach, VA 757-453-7744
Chesapeake, VA 757-312-0211
Roanoke, VA 540-299-5299

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Credit Reporting Disputes

I Was Denied A Credit Card Recently Due To Something On My Credit Report. Can I Get A Copy Of My Credit Report Without Paying For It?

December 31

Yes. While you are entitled to a free report every year from the three major credit agencies, you are also entitled to a free report when you receive a credit, employment, or insurance denial letter. You should receive a notice of this right after the denial.  You must ask the reporting agency (as noted on your denial) withincontinue reading…

Do I Have To Pay For My Credit Reports Every Time I Request Them?

December 30

No. You are entitled to a free annual credit report from each of the three big credit agencies (Experian, TransUnion, and Equifax) every 12 months.  You are also entitled to a free report when you receive adverse credit decisions (e.g. denied credit, employment, or home rental) that were based on your credit report information.  It’scontinue reading…

Is There Any Difference Between The Big Three Credit Reports? (Experian, TransUnion And Equifax)

December 22

Yes. While the majority of information may be reported on all three agencies’ reports, there can be information damaging to your score on one that is not on another, as some creditors report to specific agencies and/or one of the agencies may pick something up on public records the others miss (or get wrong where shouldcontinue reading…

I Have Accurate Negative Information On My Credit Report But It’s 11 Years Old, Doesn’t This Ever Come Off My Report?

December 16

Yes. A credit reporting agency can report most accurate negative information for seven years and bankruptcy information for 10 years.  After the appropriate time period, as laid out in the Fair Credit Reporting Act, has passed, the negative information cannot be reported anymore.

I Have Disputed Items On My Credit Reports, But The Credit Reporting Agencies Will Not Remove Them, Can I Take Legal Action Against Them?

November 24

Yes. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days.  Under the Fair Crediting Reporting Act (“FCRA”), credit reporting agencies must investigate your dispute and unless verified by the reporting creditors (called “furnishers” under the FCRA), they must remove the items from your file.  The furnishers must investigate when contactedcontinue reading…

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Parks Zeigler, PLLC
Virginia Beach Office

  • 4768 Euclid Road, Suite 103
    Virginia Beach, Virginia 23462-3810
  • 757-453-7744
  • 757-453-7578
Directions

Parks Zeigler, PLLC
Chesapeake Office

  • 524 Albemarle Drive, Suite 200
    Chesapeake, Virginia 23322-5500
  • 757-312-0211
  • 757-453-7578
Directions

Parks Zeigler, PLLC
Roanoke OFFICE

  • 25 Church Ave SW
    Roanoke, Virginia 24011-2010
  • 540-299-5299
  • 540-299-5295
Directions

Parks Zeigler, PLLC
Elizabeth City Office

  • 201 East Elizabeth Street
    Elizabeth City, NC 27209
  • 252-679-8880
  • 252-254-1380
Directions
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