Denver Credit Report Errors Lawyers
If you’ve been denied a mortgage in Cherry Creek, rejected for a car loan in Aurora, or turned down for a credit card in downtown Denver due to errors on your credit report, you may be the victim of a Fair Credit Reporting Act (FCRA) violation.
At FCRA Attorneys, our Denver credit report errors lawyers help individuals across Colorado identify inaccuracies on their credit reports, force credit bureaus to make corrections, and hold responsible parties financially accountable. We serve clients in Denver, Boulder, Aurora, Lakewood, and throughout the state.
WE CAN GET YOU COMPENSATION
FREE CASE EVALUATION
(888) 498-9533
What Is the Fair Credit Reporting Act?
The FCRA is a federal law that protects consumers from unfair, inaccurate, or negligent reporting by credit bureaus and data furnishers. It gives you the legal right to:
- Access your credit reports for free once a year
- Dispute incorrect or outdated items
- Demand corrections within 30 days
- Block fraudulent accounts with a police report
- Receive notice when a credit report is used against you
- File a lawsuit and collect damages when your rights are violated
FCRA Attorneys help enforce these rights in Denver and across Colorado.
Common Credit Reporting Errors in Denver
We’ve helped clients across the Denver metro area fix major credit report mistakes, including:
1. Mixed or Merged Files
Someone else’s credit information appears on your report due to a similar name, date of birth, or SSN.
2. Identity Theft
Fraudulent accounts opened in your name stay on your credit report, even after you provide evidence of theft.
3. Re-aged or Duplicate Accounts
Debt is listed multiple times or updated to appear more recent than it is, unfairly damaging your score.
4. Incorrect Payment Status
Paid or closed accounts are incorrectly marked as late, past due, or open.
5. Outdated Information
Negative credit items remain on your report longer than legally allowed (typically 7 years).
6. Failure to Investigate Disputes
When you dispute an error, the credit bureau is required to investigate. If they don’t, they may be liable under the FCRA.
How Credit Errors Hurt Colorado Consumers
Inaccurate credit reporting can have serious financial consequences:
- Denied loans or credit cards
- Higher interest rates and insurance premiums
- Missed rental or mortgage opportunities
- Lost job offers (particularly for financial roles)
- Emotional distress and embarrassment
You don’t have to tolerate these consequences. FCRA Attorneys can help you fix the problem and get compensated.
What Can You Recover in an FCRA Lawsuit?
If your rights under the FCRA are violated, you may be entitled to:
- Up to $1,000 in statutory damages per violation
- Actual damages for financial losses or emotional harm
- Punitive damages for willful misconduct
- Attorney’s fees and costs, paid by the other party
We work on contingency, which means you pay nothing unless we win.
Why Choose FCRA Attorneys?
We’re a national law firm focused exclusively on FCRA violations and consumer rights. Our Denver credit report lawyers file lawsuits in federal court and have extensive experience taking on major credit bureaus and furnishers.
- ✅ Free consultations
- ✅ No fees unless we win
- ✅ Fast, responsive support
- ✅ Local understanding with national strength
- ✅ Federal court experience
What to Do If You Spot a Credit Report Error
- Get Your Reports: Visit AnnualCreditReport.com for free access.
- Review Carefully: Look for errors in balances, status, dates, or unfamiliar accounts.
- Dispute in Writing: Send your dispute to both the credit bureau and the company that furnished the information.
- Save Documentation: Keep copies of reports, letters, and confirmations.
- Call FCRA Attorneys: If the issue isn’t fixed or caused you harm, we’ll help you take legal action.
Areas We Serve Around Denver
We represent clients throughout:
- Denver (Capitol Hill, Five Points, Highlands, Downtown)
- Aurora, Lakewood, Westminster, and Thornton
- Boulder, Broomfield, and Longmont
- Colorado Springs and Fort Collins
Remote consultations available statewide.
Speak with a Denver Credit Report Errors Lawyer Today
If inaccurate credit information has damaged your finances or your reputation, FCRA Attorneys can help. Our Denver FCRA lawyers will fight to fix the errors and recover damages on your behalf.
WE CAN GET YOU COMPENSATION
FREE CASE EVALUATION
(888) 498-9533
Disclaimer: FCRA Attorneys handles federal Fair Credit Reporting Act (FCRA) cases exclusively in United States District Courts. Our attorneys may or may not be licensed in the state courts of this jurisdiction and do not handle any state-law matters.
Legal services in this state may be provided by an attorney who is licensed in this state and/or admitted to practice before the United States District Courts located in this state. That attorney will be responsible for all legal services provided to clients in this jurisdiction.
Attorney Advertising: Prior results do not guarantee a similar outcome.