Consumer Protection Attorney: Protecting You From Illegal Credit Reporting

Are Mixed Files Or Other Credit Reporting Errors Harming You?

SaraEllen Hutchison OfficeHave you had perfect credit all your life until suddenly, someone else's negative accounts appeared on your credit report and you can't get a mortgage, rent an apartment, or buy a car because of it? You pay all your bills on time, and suddenly someone else's name, address, and bad debt is on YOUR credit report and it's destroying your credit score. Or, did someone else's criminal history that is not yours turn up in a background check, which caused you to be turned down for an apartment or a job? Protect your good name and good credit you have worked so hard for. I can help you put a stop to these problems so that you can move on with your life.

As a consumer, you have rights. Stand up for your rights with the help of an experienced lawyer! Together, we can work to hold the credit reporting agencies ("credit bureaus") accountable so that you can keep the good credit you've worked so hard for. I am a Seattle, Washington, consumer protection attorney who helps you fight for your rights under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) throughout King County and Pierce County.

You Need To Be Heard. They Need To Be Stopped.

You have spent hours on the phone trying to get someone to listen to you. You have written letters and made online disputes. Nobody will listen. Maybe someone else's information has appeared on your credit report and it is preventing you from buying a house or renting an apartment. Or maybe a few years ago you went through some hard times, filed a Chapter 7 or Chapter 13 bankruptcy, and the debts you discharged have come back to life like zombies, showing up as unpaid on your credit report - and it's holding you back worse than the bankruptcy is.

The Law Office of SaraEllen Hutchison, PLLC represents individuals who have legal claims against creditors and credit reporting agencies under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, the Washington State Consumer Protection Act, and other consumer laws. 

Before you read much further, an important word about "credit repair." You should be wary of credit repair organizations because many of them sell false hope. If something on your credit report is false or inaccurate, you can (and should) dispute it directly to the credit reporting agency (aka "credit bureau") yourself! You don't need to pay for "credit repair." Do it yourself for the cost of the postage. The Federal Trade Commission has a handy how-to: https://www.consumer.ftc.gov/articles/0384-sample-letter-disputing-errors-your-credit-report

If the false information is still on your credit report after you dispute, call the Law Office of SaraEllen Hutchison, PLLC to see if a lawsuit is next.

I will listen to your story — your whole story. Every part of what you have experienced matters. Your reputation and good credit matter. These are real issues that have affected your life and need to be fixed. Too often, the only way to get credit "bureaus" to listen  — and fix what they broke is to bring a lawsuit.