Please Help Consumers Like You --
Check Your Credit Report for Errors and Let Consumer Reports Know What You Find
Dear friends and allies,
The National Consumer Law Center is partnering with Consumer Reports to finally hold powerful credit reporting agencies accountable for errors, and we need your help.
At least one in four of us probably has an error in our credit report. And the COVID-19 financial crisis has made that bad situation even worse. So what’s the big deal about a little mistake on your credit report? It can cost you serious money. Getting a credit card, renting or buying a home — even landing a new job — can all hinge on the accuracy of your credit report.
Can you check your credit report for errors, and let Consumer Reports know what you find?
You’ll be a key part of a groundbreaking Consumer Reports’ people-powered research project, where thousands of consumers like you use their credit report to finally hold these powerful credit agencies accountable!
CLICK HERE TO GO TO Check Your Credit Report
We’ve made it super easy for you to do. Click the link and you’ll be taken to a page where we show you how to check your credit report for FREE. When you do, be on the lookout for basic mistakes such as a name misspelling or wrong address, to bigger mistakes like late payments that weren’t late, or even someone else’s debt on your account.
Checking your credit report is critical for your financial future. In one case, a couple almost lost out on a home mortgage because the husband’s birth date was off by one digit. Another consumer told us a ticket he got while driving a rental car was sent to the wrong address, causing it to go into collections and knocking 80 points off his excellent credit score.
Checking your report also will help us reform how the major credit reporting companies — Equifax, Experian, and TransUnion — do business. Already we know that people with monthly student loans postponed under the COVID-relief package are seeing missed payments on their credit reports, a clear violation of the law. Yet it’s almost impossible for them to get those damaging delinquent payments removed.
Check your credit report for FREE here. It will help you, and help us, make sure no one’s finances are wrecked by the credit agencies mistakes!
The more people who tell us what problems they find, the better armed we are to take on the credit bureaus. Please share this with friends and family so they get the reminder to check their credit reports, too!
Chi Chi Wu
National Consumer Law Center
Great Idea -- a public credit bureau
Fellow consumer attorney Ian Lyngklip of Michigan produced this helpful video that you should watch if you are stressed about bills during work interruption from COVID-19.
There are no “quick fixes” to clean up your credit
I am not a bankruptcy attorney, but I have helped many clients understand when they should look into bankruptcy and when there is no need for a bankruptcy filing because the clients have no assets that creditors can reach. If you are concerned that you are drowning in debt and don't know a good bankruptcy attorney to consult, you can make an appointment with my assistant and discuss your situation; I will be happy to refer you to good consumer bankruptcy attorneys if we decide that bankruptcy is appropriate for your situation.
Below is another article in the terrific series by the National Consumer Law Center on this important subject.
Deciding Whether to File for Bankruptcy: Consumer Debt Advice from NCLC
John Gear Law Office -