Fair Credit Reporting Act

Fair Credit Reporting Act in Tampa

Our Bankruptcy Attorneys Can Help You Understand Your Rights

The Fair Credit Reporting Act, which is administered by the Federal Trade Commission, promotes the accuracy of the information in the files of consumer reporting agencies. It contains guidelines about the reporting of debts and restricts against many types of abuses. Given that lenders, potential landlords and even employers can use credit reports to judge candidates, the accuracy of those reports is critical.

At the Debt Relief Legal Group, our Tampa bankruptcy lawyers represent clients in credit reporting disputes and help individuals fix false information on their reports. We have a thorough understanding of the Fair Credit Reporting Act and often work with consumer reporting agencies to ensure our clients’ reports contain only accurate information.

Your Rights Under the Fair Credit Reporting Act in Florida

There are many specific rights granted in the Fair Credit Reporting Act. These include:

  • You have a right to be informed when your credit information has been used against you.
  • You cannot be denied knowledge of what is in your file.
  • Should information be incomplete and/or inaccurate then you have a right to dispute.
  • Should information prove to be incomplete, unverifiable or have inaccuracies then the agencies must see that the data is either corrected or deleted.
  • Outdated information cannot be reported.
  • Access to your file is not open and is limited to authorized parties.

Even if you have filed bankruptcy, it is important that your credit report reflects the discharge of all debt that was achieved in bankruptcy, which will begin the process of improving your credit.

how can we help you?

If you’re having financial issues and know bankruptcy might be your only option..


I just want to say “thank you” to you and Mr. Feinberg. I am so grateful to you both. I’m going to take some time and really pray about what to do next. I really need someone who is completely knowledgeable of this process and really wants to help and not just take advantage of someone who is vulnerable. I kinda feel like that is what has happened to me. So I thank God for you both.


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