Credit Report Problems

Credit Report Problems

The Fair Credit Reporting Act in Michigan

The state of Michigan has not enacted laws governing credit reporting that would help consumers.  It has enacted some laws that pertain to employment background check information.  Michigan Compiled Laws Act 453 of 1976, 37.2205a(1) provides that an employer shall not maintain a record of arrest of a misdemeanor where a conviction did not result.  As this law was enacted in 1976, it would still be beneficial to consumers.

Also, as there appeared to be rampant deception among companies that offer credit repair assistance, there is a state law dedicated to regulating credit repair organizations within the state.  The law is referred to as the Credit Services Organizations Act and is found at MCL 445.1822.

Contact SmithMarco, P.C., Today

If you have an error or inaccurate information on your credit report, there are actions that you can take. Contact SmithMarco, P.C., today for a completely free case review.