Our lawyers have vast experience in defending victims of credit card fraud.
The way in which this fraud is being committed has developed over the years and now
with the popularity of internet shopping it has become even more prevalent.
Credit card fraud is committed in a number of ways but is essentially the compromise
of personal information from credit/debit or store cards. This can be personal
information stolen from the card or theft of the card itself and then this
information or card is used to purchase goods or to obtain unauthorised funds. The
fraud could be from the outset as well by false applications for a credit card. This
can happen where someone has been a victim of identity theft and their details are
used to fraudulently apply for a credit card or to obtain funds.
Credit Counseling Organizations
For decades, many organizations have provided valuable credit counseling and education that
assist consumers in putting their personal finances in order. The Internal Revenue Service
continues to view organizations that counsel and educate consumers as qualifying for tax
exemption under Section 501(c)(3) of the Internal Revenue Code.
However, federal and state officials have become increasingly aware that as the market for
consumer credit has undergone changes in the past 30 years, so have some of the entities that
offer services to debtors. Many of these services do not provide meaningful education or
counseling.
Errors by the credit reporting
agency
The credit reporting agency may have reported your information wrongly. For example:
- your name, date of birth or address needs updating
- a debt is listed twice
- the amount of a debt is wrong
To fix this kind of error, contact the credit reporting agency. They may be able to fix it
straight away or help you get it changed.
Errors by the credit provider
A credit provider may have reported information wrongly. For example, they:
- incorrectly listed that a payment of $150 or more was overdue by 60 days or more
- did not notify you about an unpaid debt
- listed a default (an overdue debt) while you were in dispute about it
- didn't show that they had agreed to put a payment plan in place or change the contract terms
- created an account by mistake or as a result of identity theft
If you're struggling to get something fixed, you can fill out our enquiry form for
help.