New York Credit Repair Lawyer

People who are struggling with debt and dealing with creditors can be tempted to try and solve their problems alone. That only makes a difficult path more stressful, and it’s not necessary to be isolated. Debt difficulties happen for a lot of reasons, from ordinary financial ups and downs, to identity theft, to stolen credit cards, and even to stolen identity. What all those travails have in common is that our New York credit repair lawyer will help you fight to clean up your financial record and get the fresh start you deserve. 

Call the Law Office of Jonathan P Rubin PLLC at (585) 584-6093 or reach out to our office here online to schedule an initial consultation.

Your Rights Under the Federal Credit Reporting Act

The Federal Credit Reporting Act (FCRA), known also as the Consumer Credit Protection Act, was enacted into law in 1970 and offers consumers a range of protections.

Under the FCRA, you have the following rights as a consumer: 

• The right to be told if information on your credit report has been used against you for any reason
• The right to know what is in your credit report file
• The right to request a credit score
• The right to dispute any inaccurate information in the report

As part of exercising these rights, our New York credit repair attorney can draft what is called a 609 Dispute Letter. Named for its roots in Section 609 of the FCRA, we can find out the information above, as well as whether any entities have requested your information within the past year, and the name of each entity that asked for this information. The only organizations exempt from this disclosure would be if they performed a credit check as part of a formal investigation.

Empower Yourself with FCRA Knowledge and Legal Support

The Federal Credit Reporting Act (FCRA), known also as the Consumer Credit Protection Act, was enacted into law in 1970 and offers consumers a range of protections.

Under the FCRA, you have the following rights as a consumer: 

• The right to be told if information on your credit report has been used against you for any reason
• The right to know what is in your credit report file
• The right to request a credit score
• The right to dispute any inaccurate information in the report

As part of exercising these rights, our New York credit repair attorney can draft what is called a 609 Dispute Letter. Named for its roots in Section 609 of the FCRA, we can find out the information above, as well as whether any entities have requested your information within the past year, and the name of each entity that asked for this information. The only organizations exempt from this disclosure would be if they performed a credit check as part of a formal investigation.