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Document Checklist

Consumer Reporting Potential Clients

Wells Law - Chicago created this form to help potential consumer reporting clients stay organized and on track throughout the evaluation process.


The documents and information you provide here are critical evidence. They will help us determine whether we can offer representation and, if so, support our ability to pursue the strongest possible outcome on your behalf.


This form is primarily for your benefit. Feel free to update it as new information becomes available. If you have any questions as you work through it, please contact us.

1. Detailed Timeline

A typed, chronological account of events (i.e., who, what, when) from the beginning, updated as new developments occur.

2. Unmarked Consumer Reports

Unmarked copies of each credit report that lists inaccurate or incomplete information (for potential evidentiary use).

⭐ Visit our site for information on how to obtain a free copy of your consumer report.

3. Consumer Report with Notes & Highlights

Copies of your reports with each error flagged and labeled (e.g., “*-A”), along with a separate document explaining each error.

⭐ Visit this page for information about how to read and understand your report.

4. Your Disputes

Copies of your written disputes to any furnisher, creditors, employers, or credit agencies. If disputes were verbal, include them in your timeline with as much detail as possible.

A "furnisher" of infomration is any entity who provides the information to the consumer reporting agency that reports it about you. For example, it may be a bank, employer, landlord, insurance company, etc.

⭐ Learn how to draft a dispute letter.


5. Responses to Your Disputes

Any written responses, plus details of any verbal responses included in your timeline.

6. Third-Party Contacts

Documentation, or timeline notes, for any communications with agencies such as the Attorney General, BBB, FTC, CFPB, or law enforcement about the errors on your report.

7. Adverse Actions

Records of any denials of credit, higher rates, job refusals, etc., related to the errors (or timeline notes if verbal).

⭐ Visit this page to learn more about adverse actions.


⚠️ Your privacy matters to us.

 

Email can be insecure, and we want to help protect your confidential information. When sending documents by email, please redact (mark out) any Personal Identifying Information (PII), including:

• Social Security Numbers

• Date of Birth

• Full account or card numbers

• Driver’s license numbers

• Other sensitive identifiers

 

Prefer not to redact? Just ask — we’re happy to provide access to our secure client portal for safe document upload. Thank you for helping keep your information protected.

❗Notice to all potential clients: We do not represent you unless both you and our firm sign a written agreement. All information you share remains confidential. Legal claims have strict filing deadlines — missing them can permanently bar your claim.

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We look forward to reviewing your additional documents & information.

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