Philadelphia Credit Report Error Attorney: Protect Your Credit and Financial Future

Vullings Law Group, LLC

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Don't Let Credit Report Errors Ruin Your Financial Health

Did you know that as many as 1 in 3 Americans have errors or mistakes on their credit reports? Shockingly, 1 in 5 Americans experience errors serious enough to impact their credit scores, leading to denials for new credit or refinancing existing credit. These inaccuracies can result in unwarranted financial hardships, affecting your ability to retain employment, obtain new credit, secure car loans, or even get insurance.

At Vullings Law Group, LLC, we understand the importance of a flawless credit history. Our team of experienced credit lawyers specializes in cases involving the Fair Credit Reporting Act (FCRA) and can help you fight back against creditors and consumer reporting agencies reporting errors on your credit report.

Identity Theft & Credit Report Mistakes Questions

Common Credit Dispute Question:

Question: What qualifies as a dispute on a credit report?

Answer: A dispute on a credit report refers to any discrepancy or error found in the information contained within the report, including inaccuracies in personal details or credit history.

I hired the Vullings Law Group, LLC to get a judgment that was showing on my credit report removed. I first tried to get it off of the repositories myself but Trans Union would not remove it when the other 2 did. I sent them certified mail with documentation that the judgment shouldn't be on my credit as it wasn't mine. I then contacted The Vullings Law Group, LLC and they took the case because if you are not able to get derogatory credit off of your credit report that should be removed, the Credit Bureau's PAY FOR THE ATTORNEYS FEES if they are at fault. The firm took the case and did a wonderful job. Very organized with a good staff. Best thing is they settled with the credit bureaus and took care of everything!

- Kathryn T., Philadelphia, PA -

I contacted the Vullings Law Group after being harassed and insulted by NCB Management Services regarding an alleged debt. I dealt with Jacqulyn at Vullings Law, who is very efficient, and kept me informed as to the proceedings. The process was unusually swift, NCB ceased all contact, and Brent Vullings also managed to obtain a monetary settlement from NCB for their actions.

- Larry, Philadelphia, PA -

He saved me when I was desperate and I felt like I had nowhere to turn. Identity theft was keeping me from the home of my dreams. I called Vullings Law Group expecting that they wouldn't be able to help me, like everyone else. I was so wrong! Not only did Mr. Vullings resolve all of my issues, but I paid nothing out of pocket. My experience with Vullings Law Group was not just fantastic; it was life changing. I recommend this law firm without hesitation to anyone with inaccuracies on their credit reports!

- Sharon M., Philadelphia, PA- 

I fought the credit bureaus for six years. I accomplished nothing. Brent fought the credit bureaus on my behalf for a couple months and accomplished everything I could not. He kept me informed along the way. He always explained things in ways that I could understand. I learned a lot from him, and he did everything he said he would. If you're having credit report issues, you can save a lot of time and stress by just going right to Brent and his staff.

- Harry H., Philadelphia, PA -

Great lawyer. Great office staff. Brent and his entire office clearly genuinely care about their clients. I was able to communicate with Brent's staff at 10 at night on a Saturday via e-mail. Wow, talk about responsive. I have never dealt with a lawyer's office with such availability. My case went exactly as Brent told me it would. Very smart attorney, very intelligent staff, clearly they are very experienced and know exactly how to handle credit reporting problems. I would give ten stars if I could. 

- Anonymous, Philadelphia, PA -

Debt from fourteen years ago was the only thing keeping me from buying the home my wife and I had always dreamed of. Mr. Vullings and his staff were prompt, courteous, and genuinely cared about the problem my wife and I were having. Mr. Vullings fought hard for me, and thanks to him, my wife and I are closing on our house next week! Best of all, this cost me nothing out of pocket! I would recommend Mr. Vullings and his staff to anyone with credit issues!

- Richard T., Philadelphia, PA -

Take Control of Your Credit Score

Your credit is too important to be compromised by mistakes or errors. Let our credit attorneys leverage their expertise and knowledge to restore your financial well-being. Whether you've been denied credit or harassed by debt collection agencies due to credit report errors, we're here to help.

Tell us your story today using the contact form on this page, or call us now at 1-855-324-7263 for a free consultation.

Struggling to pay your bills is just one way your credit score can plummet. Credit report errors are more common than you might think, and rectifying them can be challenging. These mistakes can also subject you to incessant calls from debt collection agencies. To stop creditor harassment, it's crucial to seek guidance from a seasoned attorney.

Alternatively, you can refer to our free infographic, "How To Dispute Credit Report Errors," for step-by-step instructions on addressing these issues.

Get Your Free Credit Report Today

You may believe that obtaining a free credit report is unnecessary because you're already aware of its contents. However, over one-quarter of people in the U.S. have errors on their credit reports, adversely affecting their credit scores. This makes it essential to access your report and verify its accuracy. It's the first step towards identifying and resolving any potential problems.

But beware! Not all websites offering free credit reports can be trusted. Some are designed to steal sensitive information like names, addresses, and social security numbers. Fortunately, AnnualCreditReport.com is a verified provider of free annual credit reports, endorsed by the Federal Trade Commission.

Before entering personal information, always double-check the URL to ensure it reads AnnualCreditReport.com and avoid falling victim to scam artists who create similar-looking websites with slight typos.

How to Review Your Credit Report

Upon receiving your credit report, follow these steps to conduct a thorough review:

  1. Verify your basic personal information, particularly if you've recently moved, changed jobs, or modified your name.
  2. Review each credit account to confirm that you have indeed opened them.
  3. Validate the amount due on each account by referring to recent statements from your banks or creditors.
  4. Check for any incorrect payment information, ensuring that missed or past due payments haven't been falsely reported.
  5. Pay attention to credit inquiries, as unfamiliar companies may indicate attempted identity theft.
  6. Look for judgment information, bankruptcies, and foreclosures listed on your credit reports. Note these items and ensure their dates are accurate, as they will eventually be removed.

Protect your credit and secure your financial future with your local Philadelphia expert Credit Report Attorneys. Contact us today for a free consultation at 1-855-324-7263 or fill out the contact form on this page.

Philadelphia Resources:

Financial Empowerment Center - The City of Philadelphia offers free financial counseling services through any of the seven different Financial Empowerment Centers (FEC). This service is available to anyone who wants financial counseling services.

Women's Opportunities Resource Center - The Women's Opportunities Resource Center (WORC) offers credit counseling services. By partnering with CLARIFI, you can learn more about your credit profile, clean up, and reestablish your credit.

Philadelphia Federal Credit Union - The Philadelphia Federal Credit Union offers credit tools, credit reports, and credit counseling. Find out which credit resource is right for you.

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