Auto Loan Errors on Your Credit Report: What to Do When Big Lenders Make a Mistake
By The Kim Law Firm, LLC Your credit report plays a crucial role in determining your financial health, influencing everything
Richard Kim
January 22, 2025
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How to Deal With Debt Collector Harassment
By The Kim Law Firm, LLC These days, it seems like our phones are constantly ringing—and it’s not our family
Richard Kim
November 1, 2021
Credit Scores: What Are They and Where Do They Come From?
By The Kim Law Firm, LLC You may have read (or watched) The Lord of the Rings. If so, then
Richard Kim
September 24, 2021
When a Background Check Reports a Criminal Record That Isn’t Yours
By The Kim Law Firm, LLC Background checks are a routine part of an employer’s hiring decision. Most applicants do
Richard Kim
April 24, 2020
LVNV’s Collection Attempt on a Time Barred Debt was a Violation of the FDCPA.
By The Kim Law Firm, LLC A “time barred debt” is a debt that was not paid which a creditor
Richard Kim
April 17, 2020
How Long Does a Collection Account Stay on a Credit Report?
By The Kim Law Firm, LLC Short answer: A collection account can stay on your credit report for seven years
Richard Kim
April 10, 2020
Debt Buyers Who Outsource Debt Collection Activities Cannot Sidestep the FDCPA
By The Kim Law Firm, LLC The Fair Debt Collection Practices Act (“FDCPA”) protects consumers against the harassing and oppressive
Richard Kim
April 3, 2020
The Supreme Court Has Opened the Door for Extending the Statute of Limitations for FDCPA Claims
By The Kim Law Firm, LLC The Fair Debt Collections Practices Act, U.S.C. § 1692 et seq. (the “FDCPA”) regulates
Richard Kim
March 27, 2020
Capital One Conducted Credit Inquiries and Obtained Credit Reports without Permission
By The Kim Law Firm, LLC Credit reports contain personal and sensitive information. This fact is not only understood as
Richard Kim
March 20, 2020
The California Consumer Privacy Act
By The Kim Law Firm, LLC On January 1, 2020, the California Consumer Privacy Act (“CCPA”) went into effect. The
Richard Kim
March 13, 2020
Credit Reporting Bill Passes House
By The Kim Law Firm, LLC Senate Bill 1581 was introduced to amend the Fair Credit Reporting Act (“FCRA”). This
Richard Kim
March 6, 2020
JP Morgan Violated the FCRA by Pulling Credit Reports for Litigation
By The Kim Law Firm, LLC There are only a limited number of circumstances under which a credit pull (or
Richard Kim
February 28, 2020
Experian Forgot to Do What it Said it Would Do
By The Kim Law Firm, LLC The Ninth Circuit recently reversed the determination of a district court that granted summary
Richard Kim
February 21, 2020
Comcast Still Pulled Consumer Credit Reports Even though it Said it Would Not
By The Kim Law Firm, LLC Only under certain circumstances can a business obtain the credit report of an individual.
Richard Kim
February 14, 2020
Lenders are Looking to Phone Data to Check Consumer Creditworthiness – Does This Violate the FCRA?
By The Kim Law Firm, LLC Millions of people around the world use their cell phones to accomplish everything they
Richard Kim
July 11, 2017
Disclosure of Your Credit Information Under the FCRA – Understanding Your Rights
By The Kim Law Firm, LLC Consumer information is personal and sensitive. The Fair Credit Reporting Act (“FCRA”) provides consumers
Richard Kim
June 27, 2017
How Long Does Adverse Information Remain on My Credit Report?
By The Kim Law Firm, LLC Credit reports are an important tool that credit lenders use to determine if a
Richard Kim
June 13, 2017
Denied an Apartment Over a Tenant Screening Report? Your FCRA Rights
By The Kim Law Firm, LLC If your rental application was denied, the decision was probably driven by a tenant
Richard Kim
May 30, 2017
The FCRA and Your Free Credit Reports – What You Should Know as a Consumer
By The Kim Law Firm, LLC Consumers are entitled to a free credit report each year that is generated by
Richard Kim
May 16, 2017
Credit Report vs. Consumer Report: What’s the Difference?
By The Kim Law Firm, LLC In short: a consumer credit report is the file a credit bureau keeps about
Richard Kim
May 2, 2017
The Fair Credit Reporting Act (FCRA) FAQs
By The Kim Law Firm, LLC Many consumers do not know that the Fair Credit Reporting Act (“FCRA”) protects their
Richard Kim
April 18, 2017