A mortgage denial is a concrete economic harm. FCRA actual damages can include the rate difference on your loan, costs of alternative financing, and other measurable losses — on top of statutory damages up to $1,000 per violation.
If the bureau failed to investigate your dispute and the original creditor or collector also failed to correct the error, both entities may be independently liable under the FCRA — doubling your potential recovery.
The FCRA is a fee-shifting statute. When we prevail, Equifax, Experian, or TransUnion — and the furnisher — pay all attorney fees. You pay nothing out of pocket.
Do I Qualify?
Was your mortgage
or loan denied because
of wrong information?
A denial letter citing your credit report is strong evidence of concrete harm. Combined with an inaccurate tradeline and a failed or ignored dispute, it creates a compelling FCRA case. We evaluate mortgage and loan denial cases at no cost.
Common Errors Behind Denials
What errors cause mortgage and loan denials?
A collection or charge-off that was paid, settled, or never belonged to you — falsely suppressing your score below lender thresholds.
Late payments or high balances that were actually current or paid in full, skewing your debt-to-income ratio or payment history.
Accounts belonging to someone with a similar name erroneously merged into your credit file — adding negative history that isn't yours.
A bankruptcy filing attributed to you by mistake, or your name incorrectly associated with a co-applicant's bankruptcy.
The same debt reported by multiple collectors or creditors, making it appear as multiple derogatory accounts instead of one.
Negative items that have exceeded their 7-year (or 10-year for bankruptcy) reportable period but were not removed, artificially damaging your score.
Save your denial letter. The adverse action notice the lender is required to provide you identifies which bureau's report was used and which factors caused the denial. This document is critical to your FCRA claim — keep a copy.
If you were denied a mortgage and had to accept a higher-rate loan instead, the rate difference over the life of the loan can be recovered as actual FCRA damages — in addition to statutory damages and attorney fees.
Why AJG Law Group
Why AJG Law Group
for your mortgage denial claim?
A mortgage denial caused by a credit report error is one of the strongest FCRA cases — concrete harm, clear causation, and a bureau that likely failed to investigate. We handle these cases statewide with no out-of-pocket cost to you.
The FCRA is a fee-shifting statute. When we prevail, the credit bureau and/or furnisher pays all attorney fees. You pay nothing out of pocket.
Each failure to properly investigate a dispute, each inaccurate tradeline, and each unremedied error can be a separate FCRA violation — stacking damages in your favor.
AJG Law Group handles FCRA cases against Equifax, Experian, TransUnion, and furnishers across all of California. We handle everything — you never need to appear in court.
