The FCRA is a federal law that gives you the right to an accurate credit report, and it forces credit bureaus to reinvestigate disputes within about 30 days (with a limited extension if you add information during the first 30). If the item is wrong, incomplete, or unverifiable, it must be corrected or deleted — and if you win a lawsuit, the wrongdoer can be made to pay your attorney’s fees and costs.
The FTC’s nationwide study found that 1 in 5 consumers had an error corrected by a bureau after a dispute on at least one of their reports; earlier research indicated about 5% had errors serious enough to affect their rates. Complaint data also shows credit reporting is consistently one of the most‑reported consumer issues.
Lawyers can’t change the FCRA clock, but they build stronger disputes (with evidence the bureaus must consider) and can sue if the bureaus or furnishers don’t follow the law — leverage that typical credit repair services don’t have. The result is often faster, cleaner corrections and better odds that deleted errors stay deleted.
Not entirely. The bureaus voluntarily removed paid medical collections and those under $500, which eliminated a large share of medical tradelines. A 2025 federal rule that would have banned most medical bills on reports was vacated by a federal court, so larger unpaid medical collections can still appear. We’ll help apply the current rules to your case.
Pull your a free credit report, gather proof (IDs, payment confirmations, police reports for ID theft, court orders for bankruptcies), and don’t ignore collection notices. Share everything with your attorney so your disputes are bulletproof.
