California Credit Reporting Lawyer
Advocating for Fair and Accurate Credit Reporting
Credit reports affect loan approval, interest rates, employment, housing applications, and more. When credit reporting agencies or furnishers report inaccurate or incomplete information, the consequences can be severe and long-lasting. O’Connor Law Group, P.C. represents California consumers in dealing with credit reporting agencies, furnishers, and debt collectors when plagued with inaccuracies on their credit reports.
If you have any questions about your situation, don’t hesitate to contact us online or call (949) 390-9695 today.
Typical Credit Reporting Problems We Address
- Accounts that are not yours or were opened fraudulently
- Accounts that remain on your report after they should have been removed or updated
- Duplicate accounts or incorrect balances and payment histories
- Outdated bankruptcies or public records that remain listed incorrectly
- Reinserted accounts after previously corrected reporting
- Errors on your credit file can lead to loan denials, higher insurance premiums, and denied job opportunities. We will help guide you through the legal process.
Remedies and Statutory Protections
The Fair Credit Reporting Act imposes duties on consumer reporting agencies and furnishers to ensure accuracy and to investigate disputes. When those duties are violated, consumers may be able to pursue damages. California consumers may also have additional protections under state law. Our attorneys will advise you on the full range of possible remedies based on the facts of your case. The best news to you is that you do not pay us; California consumer statutes require defendants to pay attorneys' fees and costs if we prevail on your behalf. Don’t let the fear of a high-priced attorney stop you from pursuing legal remedies when you’ve been wronged. Call us today!
We’re Ready to Fix Your Credit Report
If inaccurate information on your credit report is affecting your financial life, contact O’Connor Law Group, P.C.. From our office in Laguna Beach, we represent clients in Los Angeles, Orange County, and beyond. We will evaluate your situation, explain your rights, and aid you in recovering any damages that may be available to you under the law.
Contact us online or dial (949) 390-9695 today to schedule your initial consultation.
Our FAQ
Have More? Contact Us!
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Should I pay for my car repairs under warranty?
Generally, you should not have to pay for repairs under warranty. Per the terms of your New Vehicle Limited Warranty, the manufacturer agrees to cover the costs of parts and labor during the warranty period. In some instances, the manufacturer may determine the warranty has been voided. Common reasons for a warranty to be voided include misuse or abuse of the vehicle and certain modifications to the vehicle.
We recommend consulting with the manufacturer prior to modifying your vehicle. If you feel the manufacturer has unfairly determined you violated the terms of the warranty, then you should contact our firm.
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Should I save records of my car repairs?
Yes, when you take your car to the dealership for repairs, it’s important to ensure you have documentation of all the problems and the associated repair orders.
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What Am I Entitled to if My Vehicle Qualifies Under the California Lemon Law?
If your vehicle qualifies under the California Lemon Law, you may be entitled to a refund of your down payment and monthly finance payments, as well as a discharge of your vehicle loan. You may also be entitled to reimbursement of incidental damages such as rental car expenses, repair costs, and towing expenses.
If offered by the manufacturer, you may choose to have your vehicle replaced with a similar vehicle instead of having your money refunded.
