At the Law Office of Kevin L. Hernandez our focus is representing consumers facing identity theft, illegal debt collection tactics, and credit reporting errors.
As a firm established by a native Nevadan, we are committed to protecting Nevada's consumers by restoring their credit and fighting back against harassing debt collectors.
We bring claims for consumers at no out-of-pocket cost because federal consumer protection statutes provide for statutory damages and reimbursement of attorney's fees and costs if the claim is successful.
How to Pull Your Credit Reports
The first step to ensuring your credit profiles are accurate and up-to-date is to request your official reports online. Follow these steps to get started:
Step 1: Visit annualcreditreport.com
You are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit bureaus. To begin the process, go to www.annualcreditreport.com.
Step 2: Click “Request Your Credit Reports” and Fill In Your Personal Information
Select “Request your credit reports.” Then fill in your personal information in the required boxes. Click “Next.” Then check the icons next to each credit bureau (Equifax, Experian, and Trans Union) and click “Next” again.
You will be navigated to each bureau where you will answer questions to confirm your identity and will then be permitted to pull and save your credit reports.
Step 3: Review Your Reports for Errors and Email to us for Review
After you save each credit report as a PDF, review your credit reports thoroughly and prepare a bullet-point list of any errors and incorrect accounts.
Possible errors include:
The first step to ensuring your credit profiles are accurate and up-to-date is to request your official reports online. Follow these steps to get started:
Step 1: Visit annualcreditreport.com
You are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit bureaus. To begin the process, go to www.annualcreditreport.com.
Step 2: Click “Request Your Credit Reports” and Fill In Your Personal Information
Select “Request your credit reports.” Then fill in your personal information in the required boxes. Click “Next.” Then check the icons next to each credit bureau (Equifax, Experian, and Trans Union) and click “Next” again.
You will be navigated to each bureau where you will answer questions to confirm your identity and will then be permitted to pull and save your credit reports.
Step 3: Review Your Reports for Errors and Email to us for Review
After you save each credit report as a PDF, review your credit reports thoroughly and prepare a bullet-point list of any errors and incorrect accounts.
Possible errors include:
- Accounts listed in your bankruptcy that continue to report a balance, fail to include a note that they were included in your bankruptcy, and/or continue to report monthly missed payment marks after your discharge;
- Accounts reporting that do not belong to you;
- The same balance reporting twice (original creditor and debt collector);
- A balance reporting on accounts that have been paid in full;
- Negative accounts reporting after 7 years from the first missed payment; and/or
- Accounts reporting as open when they are closed.
Identity TheftIncidents of identity theft, especially among elderly and veteran Americans, have been on the rise each year. If you are a victim of identity theft, our office will represent you to contact all governmental agencies, bring claims against any companies collecting or reporting fraudulent debts, and ensure that your identity is restored, often at no cost to you.
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Illegal Credit ReportingThe FCRA protects consumers against improper credit reporting by creditors and credit reporting agencies, such as reporting a debt discharged through bankruptcy as owed or reporting a balance on a settled debt. If you are a victim of illegal or inaccurate credit reporting, our office can represent you free of charge against the credit bureaus and creditors who are misreporting.
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Illegal Debt CollectionsThe FDCPA prohibits unfair, deceptive, and illegal debt collection tactics initiated by third-party debt collectors to collect consumer debts. Examples of consumer debts include credit cards, medical bills, and student loans. Our firm protects consumers who are being harassed, abused, or deceived by debt collectors at no cost.
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