Many consumers believe a creditor must “prove the debt” before reporting it on a credit report. But under the Fair Credit Reporting Act (FCRA), the key legal issue is not whether the creditor has provided documentation—it is whether the information being reported is inaccurate. Understanding this distinction can help consumers determine when a legitimate credit reporting claim may exist.

Your Chapter 7 discharge should mark a true financial reset — but credit reporting errors are common and costly. Learn what to review, what can go wrong, and how to protect your fresh start.

If you have questions about your credit report, notice errors, or want to understand whether an issue may give rise to a legal claim, we’re happy to help. You are welcome to contact us for a free case review. Be informed. Be empowered. Be protected.

Many employers, landlords, and licensing boards rely on background reports—but errors are far more common than most people realize. This guide explains how to obtain a free copy of your background report from the top screening companies, why it matters, and what to do if you discover inaccurate information.

Judgments and tax liens no longer appear on most commonly used credit reports. Learn what is still included, what changed and why, and how public records impact your financial life.

Wells Law - Chicago has helped countless identity theft victims restore their financial standing, recover maximum damages, and get on track. But we don't pursue the identity thief -- here's why.

Instances of credit report errors are on the rise. Wells Law - Chicago has helped countless consumers correct the errors and recover maximum compensation.