A mistake on your credit report isn’t just an inconvenience — it’s a problem that can cost you real money. A wrongful collection account can get a rental application denied in San Francisco. An error in payment history can push a mortgage out of reach in Sacramento. An identity mix-up can kill a job offer in San Jose. Credit report errors follow people everywhere, and the bureaus don’t always fix them just because you ask.
Under federal law, consumers have the right to dispute inaccurate information on their credit reports. That includes accounts you don’t recognize, debts that were already paid, incorrect balances, outdated negative items, and information that belongs to someone else entirely. When a dispute is filed, the credit bureau is required to investigate and correct or remove any information it cannot verify. When they fail to do that, there are legal consequences.
Common credit report errors that may entitle you to relief include unauthorized accounts opened in your name, incorrect late payment records, duplicate debts listed more than once, debts discharged in bankruptcy still showing as active, and accounts belonging to someone with a similar name or Social Security number.
Credo Legal Services helps individuals throughout Northern California — including San Jose, San Francisco, Oakland, Sacramento, Fremont, Santa Rosa, Stockton, Modesto, Elk Grove, and Chico — navigate the credit dispute process and hold credit bureaus and creditors accountable when they don’t follow the rules.
A single error on your credit report can set you back years. Schedule a consultation to review your report and find out what can be done.
📞 (415) 347-5667