As consumers, each of us has a credit report with the major credit reporting bureaus. Those reports are used by employers, lenders, and others for a variety of reasons, including when applying for mortgages, auto loans, or other financial products. Unfortunately, the information included on credit reports can sometimes be inaccurate. In fact, in many cases, consumers’ credit reports can somehow end up mixed or merged with someone else’s credit information.
Negative information about someone else that is reported incorrectly on your credit report could result in:
- Being denied employment or advancement opportunities at work
- Denial of an application to rent a house or apartment
- Denial of credit or higher interest rates on a mortgage, auto, or other loan
A mixed credit report attorney can help you correct issues related to mixed accounts or other information and pursue your rights under the Fair Credit Reporting Act (FCRA.)