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Frequently Asked Questions

Below are some initial questions many clients have when they first contact The Consumer Law Group, P.C.. The questions below can address many initial concerns you may have. If you don't find the answers here, you may contact us for answers to more complex questions or questions specific to your case. The initial telephone consultation is free.

Q: Was I denied credit because of a bad credit report?

A: If you applied for and were denied credit, the Equal Credit Opportunity Act requires creditors to tell you the specific reasons for your denial. For example, the creditor must tell you whether the denial was because you have no credit file with a Consumer Reporting Agency or because the Consumer Reporting Agency says you have delinquent obligations. This law also requires creditors to consider, upon request, additional information you might supply about your credit history.