Fair Credit Reporting Act (FCRA) Credit Errors
Fight inaccurate credit reports with fee-shifting litigation. Defendants often pay your attorney fees.
Who This Is For
Consumers with accounts that don't belong to them (mixed files)
Identity theft victims whose credit reports still show fraudulent accounts
People who disputed errors but the bureaus failed to investigate properly
Anyone denied credit, housing, or employment due to inaccurate information
Victims of repeated furnisher errors after multiple disputes
How Our Process Works
Pre-Litigation Disputes
We send disputes to credit bureaus and furnishers, documenting their responses and failures.
Track Deadlines and Evidence
We monitor 30-day investigation periods and gather proof of inaccuracies and violations.
File Lawsuit
If errors persist, we sue under the FCRA for statutory damages, actual damages, and attorney fees.
Settlement or Trial
Most cases settle. Defendants know fee-shifting statutes favor plaintiffs, so settlements are common.
Why New Horizons Legal
Efficient Workflows
Diligent tracking of dispute deadlines and evidence collection.
Client-Centered Communication
Regular updates on dispute responses and case progress.
Honest Expectations
We only pursue cases with clear FCRA violations and evidence.
Secure Data Handling
Your credit reports and personal information are encrypted and protected.
Frequently Asked Questions
How much does it cost?
Many FCRA cases are handled on contingency with little or no upfront cost. Defendants often pay attorney fees separately under fee-shifting statutes.
What damages can I recover?
You may receive actual damages (financial harm), statutory damages ($100–$1,000 per violation), and punitive damages if the violation was willful. Plus, attorney fees.
How long does it take?
Pre-litigation disputes take 30–60 days. If we file suit, cases often settle within 6–12 months.
Do I need proof of the error?
Yes. We help you gather credit reports, identity documents, and evidence that the disputed information is inaccurate.
Fix Your Credit Report Today
Schedule a free case review to see if you have a viable FCRA claim.
Call or text: (918) 221-9438
Email: info@newhorizonslegal.com