FAQ

First, send a written dispute directly to the credit bureau and the creditor furnishing the information. Document everything. Then, if the information isn’t corrected—or if the investigation is inadequate—contact a lawyer. At Shrayer Law Firm, we take over from there and may pursue financial damages under the FCRA.

It depends on the harm. If your credit was damaged and you suffered a financial loss—like a denied mortgage, higher interest rate, or job loss—you may recover:

• Actual damages
• Statutory damages (up to $1,000 per violation)
• Punitive damages for willful violations
• Attorney’s fees

We evaluate the facts and build a custom damages model for your claim.

Many cases resolve in 4–8 months, especially when the credit bureau knows they’ve mishandled a dispute. More complex cases, or those involving substantial financial or reputational harm, may take longer—but our litigation-first approach keeps pressure on from the start.

No. FCRA claims often allow us to recover attorney’s fees directly from the defendant, so we typically handle these matters on a contingency basis—meaning you pay nothing unless we win or settle your case.