Credit Reporting Error Resolution

Summary

The statute of limitations for debt collections in Arizona is typically 6 years, but credit reporting errors fall under the Fair Credit Reporting Act, allowing up to 7 years. As an authorized user, you arent responsible for the deceaseds debts. If errors persist, you can dispute them under the Fair Credit Reporting Act. The Discovery Rule may delay the statute of limitations until the error is discovered. Consult a local attorney for personalized advice.

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I just learned that the problem stated in * when husband died i was authorized user
Hello April, as an authorized user, you typically aren't responsible for the deceased's debts. However, if the account was reported on your credit after your husband's death in *, it should generally have been removed by * under the Fair Credit Reporting Act. Could you clarify if it's still on your report?
The Consumer Financial Protection Bureau advised me to seek help, regarding JBMChase Bank, Chase Credit cards, and inaccurate information on my credit reports Equifax and Experience. As a result of these events, I have experienced a devastating financial crisis, and your expertise is vital to holding these companies accountable. I can't do this anymore, I have done everything I could think of trying to get these companies to ‘DO THE RIGHT THING” It has become a matter of life and death, I was diagnosed with stage * pancreatic and liver cancer. I am facing this diagnosis knowing that I have wasted 10 years of my life dealing with incorrect credit reporting. I researched to understand how this happened, going from a credit score of * in August * to * in Sept * was awful. As you read this email I hope you can understand that I have lost everything, my home, my savings, my reputation, my sanity, my health, because of inaccurate credit reporting, How is it possible that a credit score that was not fixed in *, has continued to cause so many problems? I was constantly lied to, and misdirected, and the wrong information has continued to affect me into *.
I'm really sorry to hear about your situation, April. I truly understand how stressful this can be.
*. Under the Fair Credit Reporting Act, you have the right to dispute inaccurate information on your credit report.
*. The Consumer Financial Protection Bureau can assist you in filing these disputes.
*. If the credit bureaus and Chase Bank are not responsive, you might consider seeking legal action.
Remember, you're not alone in this process. We're here to help guide you.
this started in * can i still file a claim
I'm sorry to hear about your situation, April. In Arizona, you have the right to file a lawsuit for violations of the Fair Credit Reporting Act within two years. However, this timeframe may extend depending on when the violation was discovered. It'd be best to consult with a local attorney for specific advice.
can you tell what to say to lawyer
When consulting with a lawyer, you might say:
*. Detail your issue with incorrect credit reporting.
*. When and how you discovered the issue.
*. Steps you've taken to correct it.
*. Any response from the credit bureau or bank.
*. The impact it has had on your life.
*. Your goal, such as fixing your credit report or seeking damages.
when you email a lawyer they want a brief description how do i do that
When emailing a lawyer, keep it concise. Here's an example:
Subject: Seeking legal assistance for incorrect credit reporting
Dear [Lawyer's Name],
I am writing to seek your legal expertise regarding longstanding incorrect credit reporting issues. In *, after my husband's death, I discovered erroneous information on my credit reports with Equifax and Experian, linked to JBMChase Bank and Chase Credit Cards.
Despite numerous attempts to rectify this, the inaccuracies persist, severely impacting my credit score and causing significant personal distress. I would like to discuss potential legal actions.
Best,
[Your Name]
should i add that in * i had just been reitire for 2 months, I found out i Had stage3 lung cancer, my husband put in for retirement on the day he was to retire i wass admitting him to the hospital where he died * weeks later of brain cancer , for 43 years perfect credit history score * I was a authorized user, i called all the credit card co i was only told they would sent me a new card and not the use the one i had, the cards came with a lower limit and the bal from the main card add to my card, now my credit score is * I never knew about debt to ratio, I could get any anwerm uhired debt repair co but they did nothing but take me money I used my saving gto pay off the credit cards but ii was classifined as advance reaction, this wrong report followed ne in *
Yes, these are relevant details that highlight the impact this issue has had on your life. They provide a clear picture of your situation and the challenges you've faced, which will help the lawyer understand your case better.
can uou put it into a email
Subject: Request for Legal Assistance Regarding Credit Reporting Errors
Dear [Lawyer's Name],
I am seeking your expertise in a serious credit reporting issue that began in *. After losing my husband to brain cancer, I discovered inaccuracies on my credit reports with Equifax and Experian, linked to JBMChase Bank and Chase Credit Cards.
At the time, I was a newly retired authorized user with a perfect *-year credit history and a score of *. Unfortunately, these inaccuracies resulted in a drastic drop in my credit score to *. Despite my numerous attempts to correct this, including contacting the credit card companies and hiring a debt repair company, the erroneous information persists. I have exhausted my savings paying off the credit cards, yet the issue has continued to negatively impact my life until now, in *.
I am also battling stage * lung cancer, which I was diagnosed with around the same time these credit issues began. The emotional and financial toll this has taken on me is immeasurable. I am therefore seeking your advice on potential legal actions that I can take to rectify this situation.
Best,
[Your Name]
what is statue of limitation excepts
In Arizona, exceptions to the statute of limitations can include:
*. The Discovery Rule: The clock doesn't start until the plaintiff discovers, or reasonably should have discovered, the wrong.
*. Tolling: If the plaintiff was a minor or mentally incompetent, the clock doesn't start until they reach adulthood or regain competency.
*. Fraudulent Concealment: If the defendant prevents the plaintiff from discovering the wrong, the clock may be paused.
does dealing with spounce death, my health and trying to get help with dedit co count
In Arizona, generally, the statute of limitations does not pause due to personal circumstances such as dealing with a spouse's death or health issues. However, certain exceptions may apply, such as the Discovery Rule, where the clock starts when you discovered the error. Consulting a local attorney would be beneficial.
what is discovery rule
The Discovery Rule is a legal principle that delays the start of the statute of limitations period until the date when the plaintiff discovers or reasonably should have discovered the injury. This rule is often applied in cases where the injury is not immediately obvious.
does this apply to me
The application of the Discovery Rule can vary based on specific circumstances and it's ultimately up to a court to decide. In your case, if you can prove that you could not have reasonably discovered the credit report errors until a certain date, the Discovery Rule might apply. It's best to consult with a local attorney.
are the any cases using the discovery rule
Yes, there have been cases where the Discovery Rule was applied. However, the application of this rule is heavily dependent on the specific facts and circumstances of each case. It's always recommended to consult with a local attorney to thoroughly understand how this rule may apply to your situation.