Credit bureaus don't always fix errors when you dispute them. Ian MacGillivray from McCarthy Law breaks down the top 10 FCRA violations that can turn into lawsuits, how credit repair businesses can refer clients for litigation, and how everyone involved gets paid.
When credit bureaus refuse to fix errors on your clients' reports, the next step isn't another letter. It's a lawsuit. Ian MacGillivray from McCarthy Law joins Daniel Rosen and Keenan Jones to break down the credit report errors that lead to legal action.
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Most credit heroes send dispute letters and wait. But when bureaus fail to correct legitimate errors, the law allows consumers to sue. McCarthy Law has assisted over 150,000 clients with FCRA litigation at no cost to the consumer. Clients can recover between $1,000 and $2,500 in damages.
Ian walks through 10 specific violations his firm takes to court. These range from balances reporting on paid accounts to debts showing up after bankruptcy discharge. He also shares the dispute letter language his firm recommends and what separates a litigation-ready case from one that needs more documentation.
Credit repair businesses can earn $400 for every referred client whose case gets filed. Ian covers how the affiliate portal works, what to submit, and how to make the handoff smooth for your clients.
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Key Takeaways:
00:00 Intro 01:44 The Secret Most CROs Never Figure Out
03:26 The Law Firm That Fights for the Little Guy
04:28 Earn $400 Every Time You Refer a Client
07:26 5 Credit Report Errors That Can Become Lawsuits
10:44 How to Hand Off a Client and Get Paid
24:56 The #1 Mistake That Kills Your Client's Case
28:12 How to Find Violations Hidden in Plain Sight
33:56 The Legal Loophole That Makes This All Possible
44:14 From Referral to Payday: The 120-Day Timeline
48:26 Final Thoughts
Additional Resources:
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