Legal

Ask a lawyer and get answers to your legal questions

Ask a Lawyer,
Get an Answer ASAP!

Best Buy credit card dinged my credit reports lowering my…

Customer Question
Best Buy credit card dinged...
Best Buy credit card dinged my credit reports lowering my Fico. I never used the card and they dinged me for a late payment. The fraudulent charge was $262.00. I attemted to reason with them to no avail
Submitted: 2 years ago.Category: Legal
Show More
Show Less
Ask Your Own Legal Question
Answered in 1 minute by:
3/5/2016
Lawyer: P. Simmons, Attorney replied 2 years ago
P. Simmons
P. Simmons, Attorney
Category: Legal
Satisfied Customers: 37,294
Experience: 16 yrs. of trial experience
Verified

Hello! My name is ***** ***** I am a licensed attorney with more than 18 years of experience. I am here to assist you with your questions. Please understand that if I ask you for additional information, you are NOT charged again and our communications are NOT timed. So please see this as a relaxed conversation between friends. I am here to help

Also, if you would like to chat on the phone, let me know and I can make that happen.

I am sorry for this dilemma. But not sure I understand your specific question. Are you asking if you can sue them (Best Buy) for this?

Ask Your Own Legal Question
Customer reply replied 2 years ago
I want them to clean up my credit reports or I will ask you to help me with a lawsuit
Lawyer: P. Simmons, Attorney replied 2 years ago

You can...that is, under the FCRA (Fair Credit Reporting Act) if Best Buy is reporting negative information that is NOT accurate?

You can sue them to collect $1000 AND attorney fees.

The "And attorney fees" is the key...there are lawyer who will take these cases because they know the law allows them to take the case on contingency, they know they will get paid if they take the case.

I would contact a local attorney who specializes in FCRA cases and let them bring a lawsuit to get this corrected

Please let me know if you have more questions. I am happy to help if I can. Otherwise, please rate the answer so I may get credit for my work.

Ask Your Own Legal Question
Lawyer: P. Simmons, Attorney replied 2 years ago

Hi
Experts on this site (myself) are compensated ONLY if the customer (yourself) "rate" or "accept" the answer.

Please rate the answer so I may receive credit
Thanks for your understanding
Phil

Ask Your Own Legal Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask P. Simmons Your Own Question
P. Simmons
P. Simmons
P. Simmons, Attorney
Category: Legal
Satisfied Customers: 37,294
37,294 Satisfied Customers
Experience: 16 yrs. of trial experience

P. Simmons is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it.

LeeMichigan

< Previous | Next >

Meet the Experts:

Ely

Ely

Counselor at Law

24,657 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

INFOLAWYER

INFOLAWYER

Attorney

22,408 satisfied customers

Licensed attorney helping individuals and businesses

JPEsq

JPEsq

Attorney

2,132 satisfied customers

Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor

Law Educator, Esq.

Law Educator, Esq.

Attorney

44,066 satisfied customers

JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law

Ellen

Ellen

Lawyer, Consultant

8,238 satisfied customers

25 years of experience helping people like you.

Guillermo Senmartin

Guillermo Senmartin

Lawyer

300 satisfied customers

Principal Attorney at Guillermo J. Senmartin, P.A.

Dimitry K., Esq.

Dimitry K., Esq.

Attorney

17,183 satisfied customers

Multiple jurisdictions, specialize in business/contract disputes, estate creation and administration.

< Previous | Next >

Related Legal Questions
I have a mortgage credit reporting question. Tn to. None
Hi Pearl. I have a mortgage credit reporting question. … read more
Olivia Kent
Olivia Kent
Managing Partner
Doctoral Degree
3,611 satisfied customers
I have a collection on my credit report that I tried to have
I have a collection on my credit report that I tried to have removed & I was unsuccessful. … read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
44,066 satisfied customers
I was on my credit report and noticed a new account (wasn't
I was on my credit report and noticed a new account (wasn't there a couple months ago when I was on my credit report) that is in collections. I have not been contacted or notified by collections of mo… read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
22,408 satisfied customers
I have a medical bill on my credit report that has been
I have a medical bill on my credit report that has been turned over to law firm for collections the medical is showing uppaid but in actuality i am making the payments to the law firm … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
12,349 satisfied customers
Credit reporting problem with banks. Oregon. Phone calls
Credit reporting problem with banks. JA: What state is this in? It matters because laws vary by location. Customer: oregon JA: What steps have been taken so far? Customer: phone calls leading nowhere.… read more
Ray
Ray
Lawyer
Doctoral Degree
33,077 satisfied customers
I pulled my credit report and discovered that my mother
I pulled my credit report and discovered that my mother refinanced a home when I was 9 years old on my credit. I was looking into suing the bank for letting this happen. How would I go about doing tha… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
12,349 satisfied customers
Transunion blocked my credit report. I did not ask them too.
Transunion blocked my credit report. I did not ask them too. I don't know how long this went on, but when I refinanced, they had to work around it as month Jan 22 2018. When I leased a new vehicle in … read more
Phillips Esq.
Phillips Esq.
Attorney
JD
19,890 satisfied customers
Credit report: I was an officer at a business. It's loans
credit report: I was an officer at a business. It's loans were paid late to the bank, and it was put in collections. Three of us officers are personally liable (it was paid, btw). Should this be on my… read more
Attorney Wendy
Attorney Wendy
Member
Juris Doctorate
971 satisfied customers
Hard inquiry on credit report. Is there a process by which a
Hard inquiry on credit report. Is there a process by which a company that made a hard inquiry on my credit report can contact the bureaus to retract it? A report was run on me with my permission by a … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
12,349 satisfied customers
Credit report shows old credit debt. called the 800 number
Credit report shows old credit debt. called the 800 number on the report and they told me their legal department had tried to reach me... She said I did not need an attorney and now I don't know what … read more
KLAW
KLAW
Juris Doctorate
2,194 satisfied customers
While looking at credit report I noticed that the applicant
Hi, while looking at credit report I noticed that the applicant has 6 collections with total balance around $3500; for all of them it says: Loan type - open; status - 9B:collection account; remarks - … read more
DrakeLAW
DrakeLAW
Juris Doctorate
1,038 satisfied customers
In checking credit report, just found out I owed $75.00 and
In checking credit report, just found out I owed $75.00 and 13,692.80 interest has accrued since 1997..Help … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
12,349 satisfied customers
I have a closed account on my credit report that has been on
i have a closed account on my credit report that has been on there for 20 years, its closed. was for credit card debt … read more
Gerald, Esq
Gerald, Esq
Juris Doctor
3,911 satisfied customers
On my credit report shows Midwest Recovery Systems VIP LOAN
on my credit report shows Midwest Recovery Systems VIP LOAN SHOP … read more
Phillips Esq.
Phillips Esq.
Attorney
JD
19,890 satisfied customers
Child support placed a negative on my credit report. My
Child support placed a negative mark on my credit report. My child support modification order was granted Feb 2017, deleting all arrears and changing the monthly child support in accordance to the Mic… read more
Michael Bradley
Michael Bradley
JD
1,446 satisfied customers
I freeze and unfreeze my credit report online is it
I freeze and unfreeze my credit report online is it immediate or does it actually take time after ?… read more
Ray
Ray
Lawyer
Doctoral Degree
33,077 satisfied customers
Maryland bankruptcy on credit report. Maryland, yes
Maryland bankruptcy on credit report JA: What state are you in? And has anything been officially filed? Customer: Maryland, yes JA: Has anything been filed in civil court? If so, what? Customer: No JA… read more
Michael Bradley
Michael Bradley
JD
1,446 satisfied customers
What information is on a credit report? If somebody always
What information is on a credit report? If somebody always pay their phone bill and health insurance bill on time each month, is that likely to be listed on their credit report? Or are only bills they… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
12,349 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x