I have 2 errors in my Experian credit report: one account always paid on time is shown as charge-off and one account I don’t recognize. I've never had such a loan. I tried to contact the bank to get more information about the accounts I had and they told me that all my accounts are closed, no one is delinquent, so I guess Experian is responsible for this mistake. I think that I should hire an attorney to resolve the problem, but I'm afraid I can’t afford one. Do you know any attorneys that require the payment after the lawsuit?