Credit Repair Errors 

Seward Tran LLP is a Charlotte, NC Based full-service credit report advocacy law firm that focuses on the strategic needs of our clients nationwide. Our firm specializes in purposeful, intelligent and thorough representation for individuals looking to repair credit report issues and hold credit reporting agencies accountable. We also advocate for families and individuals all over the nation with personally tailored service. For exceptional service to the community, we are able to service many jurisdictions through our network.



Credit reports often have errors of many forms and go unnoticed.  The most common credit reporting errors are as follows:


  • 46-70% of all credit reports contain mistakes

  • 40% of all credit reports contain public record information belonging to someone else, credit accounts that do not belong to the consumer or accounts incorrectly marked as delinquent

  • 26% of credit errors are serious enough to deny an application for credit, housing or employment


Some of the most common and most egregious errors include:

  • Inaccurate Information on Credit Reports

  • Identity Theft

  • Mixed or Merged Credit Reports

  • Background Screening

  • Out of Date Entries


Consumer Rights

Federal laws, like the Fair Credit Reporting Act, were passed by Congress to require credit reporting agencies to “follow reasonable procedures to assure maximum possible accuracy of the information” contained in credit reports, and to protect consumers when inaccuracies cause such injury. However, the burden is still heavily on the consumer when resolving such issues because those federal laws require consumers to know what is on their credit reports and to take action when inaccuracies are discovered. For this reason, it is critical that consumers take advantage of the federal law which requires the agencies, which are Equifax (including credit files owned by CSC Credit Services), Experian, and Trans Union, to provide them with one free credit report each year.  To obtain your free annual report go to the only official site:


Major changes are underway to the credit reporting industry. Last year, Equifax, Experian, and Trans Union announced that they would change the way they handle credit disputes and unpaid medical bills. Credit experts say the announcement marks the biggest reform for the credit reporting industry in more than a decade. Most importantly, these changes will help millions qualify for better interest rates on student, home, and auto loans.

The credit reporting agencies announced that they would be more diligent when it comes to resolving consumer disputes. Until the promised changes are made, the industry standard for handling disputes goes like so:

1) A consumer disputes inaccurate information with documentation backing up the dispute.

2) The staff at the credit reporting agencies would take the disputed information and contact the furnisher who is reporting it.

3) The furnisher replies to the credit reporting agency by confirming that the information is what they are reporting.

4) The staff at the credit reporting agency relays confirmation of reporting to the consumer. No further action is taken. No one actually investigates to see if the information itself is wrong.

The credit reporting overhaul will improve this very dispute process. Credit reporting agencies will be required to use trained employees to actually review the documentation accompanying the dispute. And, if a furnisher says its information is correct, the credit reporting agencies must still look into it and resolve the dispute.

In addition, Equifax, Experian, and Trans Union announced that they will change the way they handle unpaid medical bills. Prior to implementing these changes, when a credit reporting agency received medical bill information from a collection agency, they would immediately report the delinquency. The credit reporting overhaul will now require the credit reporting agencies to wait 180 days before adding any medical debt to a consumers credit file. This grace period was designed to mirror the lag time created by insurance companies as they tend to be slower when making payments.

These changes will be implemented nationally over the year

Public Debt Collections

Misleading Debt Information

Incorrect Debt Information

Big Purchases

Statutory Relief