Aronov Credit Lawyer

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Robert Aronov Law, Consumer Protection At It's Best

Free Credit Repair & FCRA Violations Help

We Are Part Of The Aronov Law NYC Credit & Consumer Legal Network. Were You Denied? Our Contingency Based Legal Services Solve Identity law, Debt Collection, Credit Report Error & FCRA Violation Issues. Contact Us For Help.

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why choose us

Nationwide Credit Protection Lawyer From NYC To LA

With decades of combined experience, our consumer affairs and protection law firm will help you deal with all credit based denials and FCRA Violations. So whether you were denied a job, vehicle, loan or a rental property – we are here to help with no cost to you.

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Credit Repair & FRCA Violations

Decades Of Award Winning Credit Repair & Credit Reports Services Are At Your Fingertips.

Debt Collector Protection

Debt Collectors Are No Match For Our Legal Prowess. We’ll Finally Take Care Of Them

Identity Law Solutions

Call Us Now If Your Identity Has Been Stolen & You Want To Stop The Damage It In It’s Tracks.

Credit Card Disputes

If Your Credit Card Company Is Turning A Blind Eye, Robert Aronov Can Defend You


Robert Aronov & Associates, PC

Robert Aronov appears in Stanford's "Who's Who" Among Practicing Attorneys. He specializes in all credit related issues.


Contingency Based

Free credit repair starts here. Call us now for a fast & free consultation on how to get your life back on track and reclaim the credit standings that you truly deserve.

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All Inclusive Services

Debt collectors will be a thing of the past after we are done with your credit report file. Call us now for more information.

Our Complete Closing Process ➤

Celebrating 20 Years in Business

Robert Aronov Esq, the founding Partner of our credit law firm. The credit law legal industry is based on the FCRA act that changed the way the law interacts with our rights to a fair credit line.

The Fair Credit Reporting Act (FCRA) is a federal law in the United States that regulates the collection, dissemination, and use of consumer credit information. Enacted in 1970, the FCRA was designed to protect consumers’ privacy and ensure the accuracy of information in credit reports. The law is enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).

Here are some key provisions of the Fair Credit Reporting Act:

  1. Access to Credit Reports:

    • Consumers have the right to obtain a copy of their credit report from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion) once every 12 months.
  2. Accuracy of Information:

    • Consumer reporting agencies must take reasonable measures to ensure the accuracy of information in credit reports.
    • Consumers have the right to dispute inaccurate information and have it corrected.
  3. Consumer Consent:

    • Generally, consumer reporting agencies require the consumer’s consent to disclose credit reports to employers, landlords, and creditors.
  4. Adverse Action Notices:

    • When an adverse action is taken based on information in a credit report (e.g., denial of credit), the consumer must be notified and provided with information about their rights under the FCRA.
  5. Security Freezes and Fraud Alerts:

    • Consumers can place security freezes on their credit reports to restrict access.
    • Fraud alerts can be added to notify creditors to take extra steps to verify the identity of someone applying for credit.
  6. Limitation on Reporting Negative Information:

    • Some negative information, such as late payments, bankruptcies, and judgments, has a limited reporting period (usually seven years).
  7. Limits on Prescreened Offers of Credit:

    • Consumers have the right to opt-out of prescreened credit offers.
  8. Disclosures to Employers:

    • If an employer uses a consumer report for employment purposes, they must obtain the consumer’s consent and provide certain disclosures.
  9. Rights of Identity Victims:

    • Special provisions exist for victims of identity theft, including the right to block fraudulent information from appearing on their credit reports.
  10. Enforcement:

    • Violations of the FCRA can result in legal action, and consumers may be entitled to damages.

It’s important to note that the FCRA is a complex law, and its interpretation may change over the years. If you have specific concerns or questions regarding your rights under the FCRA, it is advisable to consult with our award winning credit staff now by calling us or filling out the adjacent contact form.

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