Know Your Credit Report Rights

The information on your credit report can tell a great deal about you — where you live, your bill-paying record, whether you've filed for bankruptcy, whether you have ever been arrested. Make sure the information on your credit report is accurate. If you have questions, talk to an attorney at Coggins & Johnston law firm in Roseville, California.

Call (916) 797-1397 for a free consultation with a bankruptcy attorney.

You know how important your credit report can be. Lenders, employers, insurance companies and others look at your credit report to make decisions about credit, insurance, employment opportunities, and renting or buying a home.

What can be on your credit report?
If there is inaccurate information on your credit report, you have the right to challenge credit report errors under the Fair Credit Reporting Act. If the information is accurate but negative, it can stay on your credit report — 7 years for most information and 10 years for bankruptcy information. Information about a criminal conviction can stay indefinitely.

What if the credit report has inaccurate information?
You can dispute mistakes, and the credit reporting agency has an obligation to investigate and respond to you. If an error is found, the agency must fix it immediately. The three consumer reporting companies in the U.S. are Experian, Transunion and Equifax. You cannot remove a bankruptcy filing, but you can assure that the information available is accurate.

Contact a bankruptcy lawyer about your credit report questions.
The first consultation is free at Coggins & Johnston law firm. It will give you a chance to get answers to your questions and make an informed, educated decision about your future. No matter what your decision, we can help you end the financial struggle and get a fresh start.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

The Coggins & Johnston law firm in Roseville, California, represents bankruptcy and foreclosure clients in Sacramento, Roseville, Rocklin, Granite Bay, Lincoln, Citrus Heights, Davis, Rancho Cordova, Folsom, Woodland, Carmichael, North Highlands, Yuba City, Fair Oaks, Orangevale, El Dorado Hills, Auburn, Placerville, Gold River, Loomis, CA, and other communities in Placer County, Sacramento County, Yolo County, El Dorado County, Yuba County, Central California and Northern California.