Join SmithMarco’s own consumer rights attorney, Larry Smith, on Chicago Access Network Televisiton (CAN TV) for this episode of “Credit Talk.” Larry Smith discusses your rights when denied credit or employment based on a merged credit file. A merged credit file occurs when people have similar names, addresses, phone numbers, birth dates, and social security numbers and their credit information and background check information gets mixed up by the credit reporting agencies.
Most people do not realize that their credit report has been merged with someone else until they are denied credit, employment, or tenancy based on the incorrect credit report or background check. You have rights under the Fair Credit Reporting Act (FCRA) when disputing a merged credit report. The reporting company must provide you with documentation of what was found on your report so that you can take it to the credit bureaus to dispute it.
Larry Smith also discusses how credit scores are formulated and other credit-related topics in this episode of “Credit Talk.”
If you believe that your rights have been violated, contact SmithMarco for a completely FREE Case Review.