Credit Dispute and Repair

What we do for you


Credit Report Analysis

We review your credit reports for free. No fees.

Demand and Dispute

We dispute inaccurate and incomplete information.

Response and Investigate

If the information is fixed, we are done. Your problem is solved for free.


If your issues is not fixed and disputes remain, we begin litigation.


If we win, you get $1000.00 and your reports are fixed. Attorneys fees and costs are paid by the credit reporting agencies and furnishers of information.

No Costs to You

In the event that the lawsuit is unsuccessful, you are not responsible for our attorneys fees and costs.

We make credit reporting agencies fix your report and pay when they:

  • Fail to correct discrepencies and inaccuracies.
  • Fail to forward critical information to furnishers.
  • Improperly reinsert inaccurate information.
  • Fail to address disputes within the statutorily mandated timeline.

Why should you take a free consultation?


of consumer reports contain at least one error


contain an error causing a denial of credit


contain credit accounts listed as open that have been closed

of consumers penalized by inaccurate credit information

How And Why This Works

The process of getting your information into your credit file and then out into your report opens the preverbal door and just about every window to error. First, data is provided to the Consumer Reporting Agencies (CRA) by furnishers. The information provided to the CRA may be inaccurate or incomplete from the start:

    • The furnisher may report an account with an incorrect payment history, current payment status or balance.
    • The furnisher may attribute the account to a consumer who does not owe the debt.  For example, ownership of the account can be attributed to an authorized user or spouse who is not responsible.
    • If a third party fraudulently opens an account the furnisher can incorrectly attribute ownership to the consumer.
    • The CRA may fail to assign some, part, or all of the reported information to the file of the consumer to who it applies.
    • The furnisher may not be reporting by industry reporting standards.
    • Sometimes, furnishers transfer databases to the CRAs and there is a mistake in translation.

An additional level of potential errors occur because CRAs maintain files on consumers but do not provide the contents/details of the file. The credit report is “pulled” from the file.  This means inaccuracies in consumer reports can be caused simply by the retrieval of erroneous information from the consumers file. Further, some CRAs use probability files, which are “probably” the consumers but may not be. The CRA might send a single file that does not belong to the consumer, multiple files that have nothing to do with the consumer, or only part of a file that does belong to the consumer.

The Federal Credit Reporting Act requires that consumer reporting agencies (CRA) utilize reasonable procedure to ensure maximum possible accuracy of information in your credit report.  The consumer reporting agencies are also required to properly conduct a reinvestigation.  If the reinvestigation does not resolve the dispute, you have a right to file a statement of dispute and the CRA is required to include the statement in any subsequent report.

For more information on how we do it and details of the process please click the button below…


What are some of my rights under the Fair Credit Reporting Act?

  1. Access to the information in your credit report
  2. The ability to challenge inaccurate information in your credit report
  3. To receive notice when information in your credit report is being used against you
  4. Clear knowledge of how your credit score was determined
  5. To ensure that outdated information isn’t being reported
  6. The ability to prevent access to your credit report without your consent
  7. To have inaccurate information removed from your credit report
  8. To remove your name from credit reporting agency lists for unwanted solicitations
  9. To seek damages if your rights are violated

What are some Violations of the Fair Credit Reporting Act?

  1. Reporting information more than 7 years old
  2. Not reporting a bankruptcy discharge
  3. Not reporting debts that were paid off
  4. Reporting debts that are not yours
  5. Not conducting proper investigations when you dispute information
  6. Not reporting the results of these investigations
  7. Reporting old debts as new debts
  8. Not properly handling your file even after you win your dispute
  9. Continuing to hold you accountable if you are the victim of identity theft
  10. Submitting information to a credit reporting agency that is known to be incorrect.

For more information regarding credit reporting and legal requirements and restrictions please click the button below or contact us for a free, no strings attached, consultation. We are here to help in any way that we can.


Who is Florida Litigators and What do we do?

Florida Litigators is a local, independent, experienced Team of professionals serving our Florida communities since 2013. With our extended experience, across multiple disciplines and fields, we fight for our clients to recover benefits and build satisfaction and peace of mind out of legal and claim disputes.

We work with you starting with a free consulation and represent our clients on a Contingency Fee basis. This simply means that we only make money when we make money for you. No hidden fees or recurring costs come out of your pocket. Period.

Comprehensive and Dedicated Legal Representation

Free Consultation with No Strings Attached

Contingency Fee Structure. We don't get paid if you don't get paid. As Simple as that.

Results Driven, Client Satisfaction, before all else.

Experienced and Diverse Team of Professionals

error: Content is protected !!