FREE CREDIT REPORTS EXTENDED TO APRIL 20, 2022
Testimonial Our Clients Say It Best
“We were literally drowning in debt. Newly retired, we relocated to SWFL. Savings, moving expenses, and the unexpected caused us to overextend our credit. Fleeing Hurricane Irma and finding a damaged roof when we returned caused us to further extend our credit lines. Months of juggling payments and stressing over this dark cave of debt we put ourselves in, we came across a video of Carmen Dellutri. He was sincerely concerned about his clients. He was very detailed with the bankruptcy process and helped us understand that everyone needs help sometimes. We were assigned to David Fineman, and we received the same sincerity. He took the time to explain every detail of the process. His entire team was informative and never made us feel as if we were an inconvenience. The conference calls were all professional and prompt. The meeting with the trustee was exactly as described by Attorney Fineman. Every step of the way, we were informed via email and an occasional phone call as needed. Now that our Chapter 13 repayment plan has been confirmed, we have been able to step into the light of our new life here in SWFL without the ‘debt of life circumstances’ weighing us down.” –M. (Avvo Review)
The three biggest credit reporting companies (Equifax, Experian, and TransUnion) have extended the offer of free weekly credit reports for all American citizens until April 20, 2022. As Americans face financial instability during COVID, these weekly reports will help people better gauge financial health. During nonpandemic times, one free credit report from each CRA every 12 months is the standard, but obtaining a weekly report can help you better manage your finances. When checking your credit score, be sure to note any wrongful data, incorrect debts, or other inconsistencies. If you see an error, contact the credit company as soon as possible to dispute the claim. Some errors may be a result of fraud, and those need to be fixed immediately. In most cases, credit bureaus have 30 days to correct a mistake on a credit report, but you may need to argue your case further depending on the situation. The free reports do not provide a credit score, but you can see whether or not there are any mistakes on your record. To fix an error, we highly recommend sending a registered letter to the credit bureau in question and detailing the error (it’s always a good idea to provide supporting documents as well). You will also need to send a copy of your letter to the business that reported the mistake as well.
To check your reports weekly (and we recommend that you do!), visit this website: AnnualCreditReport.com/index.action.
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