CREDIT REPORT MISTAKES DON’T EXPIRE — Fix Them Before They Cost You
Why It’s Critical to Work With R23 Law’s California Consumer Protection Attorneys
Many people assume that their credit report is accurate — until it’s too late. Even a small error on your credit report can have a major impact on your ability to get a loan, rent a home, or qualify for a competitive interest rate.
Unfortunately, millions of Americans only discover these mistakes when they apply for credit and are unexpectedly denied. The long-term effects can be devastating — but they’re also preventable.
At R23 Law, our California Consumer Protection Attorneys help clients uncover and correct credit report errors, restore their creditworthiness, and hold credit reporting agencies and creditors accountable when they fail to follow the law.
What Are the Most Common Credit Report Errors?
Credit report inaccuracies generally fall into two categories:
1. Incorrect Personal Information
This can include:
Misspelled names
Wrong Social Security number
Outdated addresses
Mixed-up identities (i.e., your file merged with someone else’s)
While these may seem minor, lenders rely on accurate data. Any mismatch can result in denials — even if you qualify.
2. Incorrect Account Information
These are often the most damaging and include:
Duplicate tradelines
Incorrect account balances
Debts that should have been discharged
Wrong dates for account opening or last payment
Accounts wrongly listed as delinquent
These issues can unfairly lower your credit score and cost you thousands over time.
How These Errors Can Affect You Long-Term
When left uncorrected, credit report errors can lead to:
Higher Interest Rates
If errors make you look riskier, you’ll be charged more to borrow — sometimes tens of thousands more over the life of a loan.
Loan or Credit Card Denials
Errors can result in lenders rejecting your application, even when you otherwise qualify.
Lower Credit Scores
Each time you apply for a loan, lenders conduct a hard inquiry. If you’re denied because of a credit report error, your score still drops — even though the mistake wasn’t your fault.
Difficulty Rebuilding Credit
Rebuilding your credit becomes harder when you’re denied again and again. It creates a cycle that can drag down your financial progress for years.
How to Fix Credit Report Errors — and Why Legal Help Matters
You have rights under the Fair Credit Reporting Act (FCRA), but unfortunately, many credit reporting agencies do not properly investigate disputes — or fix the issue in a timely manner.
That’s why working with R23 Law’s California Consumer Protection Attorneys makes a difference. We help clients:
Dispute inaccuracies legally and effectively
Hold credit reporting agencies and furnishers accountable
Seek damages if credit reporting violations caused harm
Prevent future errors by enforcing your rights
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Protect Yourself With the Help of R23 Law
Don’t let credit report errors follow you for years. At R23 Law, we understand how these mistakes can limit your financial freedom and we’re ready to help you fight back.
If you're seeing inaccurate information on your credit report — or have been denied credit due to an error — contact us today.
📞 310-598-1588
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