Nashville Credit Card Debt Relief Attorneys Help Lift Your Financial Burden

We ensure you are well-informed about every debt relief option available

Credit card debt can quickly overwhelm card holders and make you feel helpless and trapped. With creditors continually calling and daily expenses growing, it’s normal to wonder what debt relief option will get you out of debt the fastest and with the best results. At The Nevin Law Firm, our talented legal team ensures you are not alone in your debt relief fight. Our attorneys clearly illustrate your debt relief choices, while explaining all applicable laws and regulations pertaining to your credit. We work with your best interest in mind and make your present and future well-being our top priority.

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA) is a federal law that protects consumers’ credit information from being inappropriately used by reporting agencies. The law promotes the accuracy, fairness and privacy of credit data and regulates the activities of consumer reporting agencies, including credit bureaus and specialty agencies. Your rights under the FCRA include:

• The right to know what is in your file – You may request and obtain all the information about you in the files of consumer reporting agencies. In most cases, the disclosure is free.
• The right to be told if information in your credit file has been used against you– Any entity that uses a credit report to deny your application for credit, insurance, employment or another request is required to inform you and give you the name and contact information of the agency that provided the information.
• The right to ask for a credit score – You may request a credit score from consumer reporting agencies that create scores or distribute scores. However, you will likely have to pay to view your score.
• The right to dispute incomplete or inaccurate information – If you identify information in your file that is incomplete or inaccurate and report it to the consumer reporting agency, the agency must investigate your complaint. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
• The right not to have outdated negative information reported – In most cases, a consumer reporting agency may not report negative information about you that is more than seven years old or bankruptcies that are more than 10 years old.
• The right for your file to have limited access – A consumer reporting agency may provide information about you only to those with a valid need such as a creditor, insurer, employer, landlord or other business. The FCRA specifies those with a valid need for access.
• The right for your file to be reported to employers only with your consent – A consumer reporting agency may not provide information about you to your employer or a potential employer without your written consent given to the employer.

When attempting to get out of debt, it’s essential that you know your rights and protections under all applicable laws. Too often, reporting agencies unfairly use consumers’ files without their knowledge, further harming your success of relieving debt. At The Nevin Law Firm, you can expect strong legal advocates who make sure reporting agencies are properly using your information and not taking advantage of your credit information. Contact our skilled legal team today to work with an experienced who can outline your options.