Your Go-To Credit Dispute Attorneys

Free No-Strings Credit Consultation & Case Review for Help Disputing Credit Report Errors
$0123456789001234567890MSettlements since 2012
01234567890012345678900123456789001234567890+CASES RESOLVED
0123456789001234567890+YEARS OF EXPERIENCE

You Have a Right Under Federal Law to an Accurate Credit Report

Monitoring and protecting your credit score is a necessary part of everyday life.

Consumers are afforded protections over their credit reports under the Fair Credit Reporting Act (“FCRA”). The FCRA sets the guidelines and practices that both Credit Reporting Agencies and furnishers of credit information are required to follow. Nonetheless, many consumers still struggle with errors on their credit reports that negatively impact their day to day lives. In fact, the Federal Trade Commission found that 1 in 5 credit reports contained mistakes that negatively impacted a person’s credit score.

That’s where Marcus & Zelman comes in. We are a team of experienced attorneys who can help you at every stage of the credit reporting error process, including helping you recover monetary damages for your credit errors. From identifying inaccurate information on your credit report, to drafting a clear and effective dispute letter, and all the way to helping you litigate your rights under the FCRA, Marcus & Zelman is here to help you fix your credit errors and get your life back on track, unimpeded. No matter the type of credit reporting issue you are dealing with, you can count on us to serve your case with the zeal and experience you deserve.

We care about protecting our clients


Our attorneys' skills are creative and zealous


We get paid when you get paid


We are driven by the shared vision of consumer representation, not fees.

About us Marcus & Zelman


Frequently Asked Questions

My bank is reporting wrong information on my credit report, and now my credit score has tanked. What do I do?

The first step is to dispute the inaccurate reporting with the Consumer Reporting Agencies – such as Equifax, Experian and TransUnion. Disputes made directly to the company reporting the information do NOT count. The content of that dispute letter is important, so contact us at Marcus & Zelman for a free consultation before sending in your dispute letter.

What kind of rights does the law give me if my credit errors aren’t fixed?

The Fair Credit Reporting Act (the FCRA) protects consumers and their credit reports. If a company does not follow the law, they could be liable for statutory damages (between $100-$1,000), actual damages, punitive damages. These companies may also have to pay for your attorneys’ fees and costs. The law provides a powerful tool to keep credit furnishers and credit reporting agencies honest, and to make sure that information reported in your credit report is accurate.

I’ve tried working with a credit repair agency, but they haven’t been able to help me improve my credit score. What can a law firm do different?

A credit repair agency can be a great partner with the expertise to help you navigate the credit disputing process. However, many times these disputes are just rubber stamped as “verified” by the Consumer Reporting Agencies, no matter how valid the dispute. In many cases, the only way to get these companies to comply with the law is with a lawsuit.

Why is someone else’s information on my credit report?

The credit reporting agencies maintain a file on every single person. Because Credit Reporting Agencies generally do not require a full Social Security Number match before associating account information with a consumer’s file, often a consumer’s file will become ‘merged’ or ‘mixed’ with another person’s file, causing another person’s negative credit information to appear on your report. This can be a very difficult mess to unravel, and often will require a lawyer getting involved to be resolved.

I applied for a job and was denied the job due to a background check with inaccurate information. Does the FCRA help me with this?

Yes! The FCRA applies to all Consumer Reporting Agencies, and background checks for employment or housing are also considered Consumer Reports, the same as a credit report. If there is inaccurate information on your background check like someone else’s criminal history or an eviction that never happened, you may be entitled to damages. Secure a copy of your background report and let us know below what happened.

I think I’ve been the victim of identity theft. What should I do first?

​​Notify the credit reporting agencies immediately. They can put a fraud alert and a security freeze on your credit file. If you see anything on your credit report that is a result of identity theft, you will typically need to fill out a Police Report and an Identity Theft Affidavit, which you can obtain here ( Once you submit that to the credit reporting agencies, they have 4 days to apply a special identity theft block to your credit report. If you are continuing to face errors on your credit report due to identity theft, contact us at Marcus & Zelman for help.

How can I access my credit reports?

You can request your credit report from the three major Credit Reporting Agencies (Equifax, Transunion, and Experian) for FREE from ( Simply fill out the questions and you’ll be able to download and review each of your credit reports for any errors or inaccuracies.

Client Testimonies

Last year, I broke my elbow at an event where I slipped and fell really hard. I was unable to resume my everyday tasks for months and was in severe pain. At first, I was hesitant to get an attorney. When I finally got the courage to reach out, I knew I could trust the Marcus and Zelman team. They were there for me every step of the way and guided me through this difficult time. From physical therapy, doctors and insurance companies they handled everything seamlessly. I was very impressed by their professionalism, honesty and the result felt like a weight was lifted off my shoulders
Becky from New Jersey / Personal Injury
Imagine calling your mortgage broker and seeking a new mortgage to purchase your retirement home and being told you are currently two months behind on your current mortgage and your credit score has plummeted. Knowing this to be a mistake, I called my mortgage company who, in short, refused to correct their mistake. My credit was so impacted that I couldn't borrow money to do the needed repairs to be completed before moving into our new home on the lake. I maxed out ever credit card and depleted our savings to move in. It was humiliating! After contacting Marcus & Zelman, things began to turn around. The tenacity and unwavering effort they put into my case put me at ease. I felt they would make this wrong - right. The attorneys and I spoke often and were available immediately to speak to me whenever I called. The firm remained focused on the objective to make me whole again.
Peter / Credit Reporting Errors
The calls I was receiving were becoming more and more stressful, but thankfully I had Marcus and Zelman taking control of the situation. Their efforts helped give me the peace of mind I needed. They were always very responsive and informed me of what to expect whenever any future occurrence would arise that I needed to know about. My experience with Marcus and Zelman was phenomenal and I couldn’t recommend them more.
David / Marketing Texts & Calls


    Subscribe to our Newsletter

    New Jersey: 701 Cookman Avenue, Suite 300 Asbury Park, New Jersey 07712
    New York: 400 Rella Boulevard. Suffern, New York 10901

    Follow us:

    Marcus & Zelman vertical logo a consumer rights law firm

    The information contained in this website is provided for informational purposes only, and should not be construed as legal advice on any matter.

    Copyright © 2023 Marcus & Zelman, LLC

    Built by WMD

    The transmission and receipt of information contained on this Web site, in whole or in part, or communication with Marcus & Zelman, LLC via the Internet or e-mail through this website does not constitute or create a lawyer-client relationship between us and any recipient. You should not send us any confidential information in response to this webpage. Such responses will not create a lawyer-client relationship, and whatever you disclose to us will not be privileged or confidential unless we have agreed to act as your legal counsel and you have executed a written engagement agreement with Marcus & Zelman, LLC. The material on this website may not reflect the most current legal developments. The content and interpretation of the law addressed herein is subject to revision. We disclaim all liability in respect to actions taken or not taken based on any or all the contents of this site to the fullest extent permitted by law. Do not act or refrain from acting upon this information without seeking professional legal counsel.