Resolving Credit Issues for Fullerton, Brea, La Habra & Nearby Communities
Your credit report follows you everywhere—from car loans and mortgages to job applications and insurance rates. So when it contains mistakes, the impact can be more than frustrating—it can be life-changing. At Law Office of Andrew S. Cho, we help clients across Anaheim and surrounding areas challenge inaccurate or harmful credit entries and get the truth restored to their name.
With over 27 years of legal experience, Attorney Andrew S. Cho and our team handle credit reporting disputes with the urgency and precision they demand. Whether you’ve been hit with identity theft, mixed file errors, or accounts that should’ve been cleared years ago, we dig in, push back, and make sure your voice is heard.
Call (714) 384-7633 or complete our online formto request your free consultation. Let’s get your credit dispute resolved properly and permanently.
What Are Credit Reporting Disputes?
Credit reporting disputes arise when consumers notice errors or inaccuracies on their credit reports. Many people assume credit reports are airtight. Unfortunately, they’re not. Millions of Americans deal with inaccurate credit information every year—often without even knowing it until they’re denied a loan or hit with high interest rates.
Common credit report errors include:
Accounts you never opened
Incorrect balances or payment statuses
Duplicate accounts
Outdated negative marks
Mistaken identities or mixed files
Debts discharged in bankruptcy that still show as active
When these mistakes go unchallenged, they can tank your credit score and limit your ability to move forward. That’s where we come in—with a process designed to investigate, correct, and hold credit bureaus and furnishers accountable.
Why Disputes Get Ignored & How We Make Them Count
Consumers have the right to dispute credit inaccuracies under the Fair Credit Reporting Act (FCRA). The problem is, the system isn’t built to serve individuals. Disputes sent by everyday people often get processed through automated systems, dismissed as “verified,” or simply ignored—especially if you don’t know the exact documentation or legal arguments to include.
Here’s how we help:
Draft and submit formal dispute letters
Gather supporting evidence creditors and bureaus can’t ignore
Escalate ignored or mishandled disputes to formal litigation if necessary
File complaints with the Consumer Financial Protection Bureau (CFPB)
Monitor responses and follow through until the item is corrected or removed
Our legal experience and reputation shift the balance. When a law firm steps in with a well-documented claim, credit bureaus and furnishers take notice.
“He is not only the best lawyer but also very generous and kind, he made me feel like he was my older brother.”
Kevin C.
“Highly Recommend”
“I worked with Andrew and Eunice for my bankruptcy case, and they went above and beyond in securing my assets, helping me understand all of my options, and clearly outlining what to expect.”
Angela S.
“Knowledge and Professionalism”
“I was very impressed and helped by the lawyer and the office manager's knowledge and professionalism in the related field.”
Caroline P.
“Trust Him”
“He is a very hard working attorney.”
Terry K.
“Helped Our Family”
“Helped our family through difficult times, grateful for their service.”
Sean W.
“Great to Work With”
“Made the whole process easy and great to work with.”
Alan
“Above and Beyond”
“If you're in need of legal representation, look no further than Andrew Cho.”
Anonymous
“Thank You”
“I'm truly grateful for successfully handling my difficult case.”
Navigating credit reporting disputes can be complex, but having an experienced attorney by your side makes all the difference. At Law Office of Andrew S. Cho, we’ll partner with you to challenge errors, communicate directly with credit bureaus and creditors, and restore your credit integrity.
Here’s why clients across Anaheim and the surrounding areas trust us to handle their credit report disputes:
Deep expertise – With 27+ years of experience and over 10,000 cases handled, we have the legal knowledge and strategies to get results.
Bilingual services – Attorney Andrew S. Cho fluently speaks Korean, ensuring effective communication and culturally sensitive support for the Korean-American community.
Tailored advice – Every client’s situation is unique, and we provide personalized guidance to craft solutions tailored to your specific needs.
Compassionate advocacy – We foster a welcoming environment where you can share your concerns without fear of judgment.
Proactive representation – From filing disputes to negotiating on your behalf, we take every step necessary to resolve inaccuracies efficiently.
Ready to Clear the Record?
You’ve done the work. Paid off the debt. Lived within your means. Don’t let someone else’s mistake (or neglect) drag your score down and hold your life back. We’re here to help you set the record straight.
Call (714) 384-7633 or contact us online today to schedule your free consultation. Let Anaheim's experienced credit reporting dispute attorney fix your credit report today.
