What Happens When Credit Reports Are Merged?

There are many different types of credit report errors that can adversely affect your credit history and score. It is not uncommon for a credit report lawyer to discover that a client’s credit report contains information from another person’s file. Occasionally, two separate files may become an inaccurate mixed credit file. This is a serious problem that often requires the intervention of a credit report lawyer.

When your credit report is mixed up with that of another person, it is possible that your credit score will be reduced. The other person’s file may contain a history of late payments, defaulted accounts, collection actions, and other information that may jeopardize your own credit score. This can create problems when you need to take out a line of credit, purchase a new car, or become qualified for a mortgage. The most effective way to deal with this problem is to seek the counsel of a credit report lawyer who is well-versed in consumer rights. A Fair Credit Reporting Act law firm can protect your financial interests and your good name.