The Law & You

My Credit Score Dropped Because of a Mistake. What Can I Do?

The Law & You
July 16, 2013

The Law and You

My Credit Score Dropped Because of a Mistake. What Can I Do?

A mistake on a credit card had caused a viewer’s credit score to drop. What can be done? Attorneys Greg Fellerman and Ed Ciarimboli give legal tips on what to do next.

Dave Kuharchik: A hit on your credit can be a difficult thing to handle. We’re gonna talk about that on today’s edition of “The Law & You.” Joining us, as always, are attorneys Greg Fellerman and Ed Ciarimboli from Fellerman and Ciarimboli in Kingston. Gentleman, thanks for being on the show today.

Greg Fellerman and Ed Ciarimboli: Thanks for having us.

Dave: Alright, here’s our question, “My credit score and it’s because of a mistake on my credit card. What can I do?”

Greg: Well, the first thing you need to do, and this goes for everybody regardless if you have a credit problem or not, you should always be paying attention to your credit score by getting credit monitoring companies or pull your own credit; Your credit affects you more now and into the future in borrowing money, so we always recommend people to do that on a daily basis. My partner, Ed, actually had a deal with a credit card company because of problems with his credit score and he can tell you all about that.

Ed: This is torture, it is absolute torture; You do your best, you pay your bills on time then all the sudden you see something on your credit report of no fault of your own. It’s just a mistake. A lot of the time, what I had to do, I had to call the credit card company; I called all the credit reporting bureaus and I got nowhere. So what I ultimately had to do is I had to sue them to get that taken off my credit report, because it’s that important. You’ve got to be really aggressive in protecting your credit especially if there’s a mistake. There are very specific laws that any of the credit card companies or any company who is extending you credit have to comply with you within thirty to sixty days if you dispute something and have to give a response to that dispute. That response to that dispute may not even be enough. That’s why you have to make sure you are pulling your credit report on a regular basis to make sure there are no mistakes. In this day and age of identity theft you can’t be diligent enough on this issue. It affects everything you do from buying a car, buying a house, getting a loan, and school. It affects everything you do.

Dave: If you need help from attorneys Greg Fellerman and Ed Ciarimboli, how can our viewers talk to you?

Greg: You can see us at out web-site at 714hurt.com, call us at 570-714-4878, or you can like us on Facebook.

Ed: If anyone has another question for “The Law & You” you would like answered, like us on Facebook, post your question, and we’ll try our best to answer it on the next “Law & You” segment with Dave.

Dave: They are the guys who results matter, attorneys Greg Fellerman and Ed Ciarimboli, we always appreciate you on the show.

Greg: Thanks Dave.

Dave: That’s today’s edition of “The Law & You.” To get your question on the show, go to pahomepage.com

 

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The Law & You is a nightly feature on channels WBRE-TV 28 and WYOU-TV 22 where the attorneys from Fellerman & Ciarimboli answer legal questions. If you have a question that you want answered by the Law & You attorneys, please submit the form on this page or call the hotline at 1-888-570-HURT.

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