Mountlake Terrace Credit Attorney | Fair Credit Reporting

Credit Attorney in Mountlake Terrace

One’s credit report impacts many aspects of his or her life. We use our credit reports to obtain motor vehicles, credit cards, home loans, appliances, store credit cards, time shares, business loans, apartments, and rental homes. One’s credit report is, therefore, extremely important. It contains personal identifying information, including about where we live, how we pay our bills, and whether we have ever been sued or arrested.

As such, credit report errors can also ruin many aspects of our lives. They can cost us a better score, which can open many doors. They can ruin our hopes for obtaining a certain loan. They can affect our ability to get decent insurance rates. They can also affect our ability to get a job. Mistakes on credit reports affect millions.

In The United States, We Use Three Major Credit Reporting Agencies:

Transunion

Experian

Equifax

Although each of these credit reporting agencies differ slightly, all three generally contain the same basic information. Between them, it is said that they have files on more than 200 million people in the United States. They collect financial information about people from businesses that have extended them credit, such as banks, credit card companies, or mortgage providers. They then sell this information to creditors, insurers, and employers who use it to evaluate applications for credit, insurance, employment, and even renting an apartment or home.

In a study from the U.S. Public Interest Research Group, nearly 80% of the credit reports contained inaccuracies. Making things worse, a quarter of them contained mistakes that could trigger a denial of credit. If a credit reporting agency fails to remove inaccurate information from one’s credit report, he or she may have legal recourse against the credit reporting agency for damages.

Civil Liability: Negligent Noncompliance

If a credit reporting agency fails to comply with the law, it is liable to the consumer for:

The actual damages sustained by the consumer as a result of the failure; and

In the case of a successful action, the consumer shall be awarded the costs of the action, along with reasonable attorney’s fees as determined by the court.

“I will highly recommend Mr. Boris Davidovskiy. He had provided excellent service in Real estate and banking issues. Always easy to reach; quick response to all my emails and calls; his professional skill beyond expectations.”

- Svetlana

“Mr. Boris has tremendous litigation skills. I’ve never known another lawyer more prepared or focused. He has the ability to dissect a case much like a skilled surgeon, with absolute calm. Nothing seems to rattle this guy or distract him from his goal on a case, which of course, makes him extremely tough to beat. He’s also one of the most ethical lawyers I’ve ever know.”

- Sylvia

“Boris worked on a contract dispute case for me. He was very responsive to my communication, thorough with his analysis, and diligent. He takes client’s suggestions seriously and strives to work in accordance to them as much as possible.”

- anonymous

“I had Boris as my attorney on two different cases. Boris goes deep and wide into a case, and once he absorbs the details, can zoom in into the details and zoom out to come up with a great strategy from a bird’s eye view. He can change the strategy depending on the client’s wishes. Both cases were resolved to my satisfaction. It is not enough to be smart to win: a lawyer has to be willing to spend the time and energy on the case. Once Boris gets interested in a case, there’s no stopping him. He also diligently updates the client as to what’s going on.”

- Carlos

“Boris represented me in a default judgment case that was entered against me 7 years ago by state farm insurance. They were wanting me to pay about 100,000$. Not only did he do a thorough job and researched ever legal avenue of this case but he got the whole thing dismissed on the grounds of fairness and justice. Last but not least he only charged me what he said he was going to charge me. Very honest and so good at what he does. I highly recommend him.”

- Erin

“I absolutely recommend him to my friends and family. He had worked on our case recently. We glad that we met him. He was effective, professional and knowledgeable. He worked on our case like it was his own case. Most important part about working with him was his personality. He is kind, understanding and trustworthy person. I just told my story and left everything else with him. We felt he was like our family member. He did a great job!!! We had great and worry free time working with him.”

- Munkhtur

“Boris is the best around, one of the nicest people you will ever meet.”

- Rocco C.

Outstanding Professional Service.
“I retained Boris Davidovskiy to represent me in regards to a lawsuit I was filing. Boris was relentless, hardworking and did an outstanding job resulting in the settlement of my case in my favor. I would not hesitate to recommend Boris to any of my family or friends.”

- John

Fair Credit Reporting

Credit Attorney in Mountlake Terrace

In The United States, We Use Three Major Credit Reporting Agencies:

Civil Liability: Negligent Noncompliance

Contact a Lynwood, Washington Credit Report Lawyer

Credit & Banking

What Our Clients Are Saying