Illinois Personal Injury Attorneys Offer Advice on Protecting Your Credit Rating
The recent instability in the economy has caused many individuals concern over their credit rating in Chicago. Personal injury attorneys are advocates for consumer rights under provisions of the Fair Credit Reporting Act (FCRA). Individuals deserve justice when they have been subject to violations of the FCRA. Violations commonly occur and can be grounds for legal action.
The FCRA was originally passed for protection of accurate credit reports and consumer privacy. Illinois personal injury lawyers can help seek damages if you feel you have been the victim of the following violations:
Unauthorized Use:
Limitations are set as to when consumer reports can be requested. Collection agencies can access the reports if they are attempting to collect a debt. Extension of credit, court orders, written approval, or insurance applications are other lawful reasons to request a consumer report. A violation occurs if a credit report is requested for litigation or a political rival.
Deletion of Improper Information:
Any debt older than seven years or a bankruptcy older than ten years must be deleted. Credit reporting agencies have a duty to maintain accurate and current information. A violation of the FCRA occurs if any information reappears after being removed explains a Chicago personal injury attorney.
Protecting your credit rating is extremely important. Illinois personal injury lawyers with experience in consumer law can help protect you if a violation of the FCRA has occurred. Consumers have a right to privacy and accuracy of credit reports.
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