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Is Your Credit Report Accurate? Look for These Six Common Types of Errors
The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection, dissemination, and use of consumer credit
CFPB Files Lawsuit Against Experian for “Sham” Investigation Into Credit Report Errors
On January 7th, 2025, the Consumer Financial Protection Bureau (CFPB) announced a lawsuit against Experian. The CFPB alleges that the
Can You Sue a Debt Collection Agency for Violating Your Rights Under the FCRA?
What is on your credit report is important. The information can impact your ability to get approved for a mortgage,
Four Steps to Take to Fix Errors on Your Credit Report
Your credit report matters. It can affect your ability to secure loans, obtain favorable interest rates, and sometimes even impact
Auto Loan Errors on Your Credit Report: What to Do When Big Lenders Make a Mistake
Your credit report plays a crucial role in determining your financial health, influencing everything from the interest rates offered to
How to Deal With Debt Collector Harassment
These days, it seems like our phones are constantly ringing—and it’s not our family and friends calling to check in
Credit Scores: What Are They and Where Do They Come From?
You may have read (or watched) The Lord of the Rings. If so, then I think you’ll understand this analogy:
First Advantage Background Services Included False Criminal History in a Background Check Report
Background checks are a routine part of an employer’s hiring decision. Background checks can include information about an individual’s: work
LVNV’s Collection Attempt on a Time Barred Debt was a Violation of the FDCPA.
A “time barred debt” is a debt that was not paid which a creditor can no longer pursue in court
How Long Does a Collection Account Stay on a Credit Report?
Although consumers understand that negative information on credit reports – such as an account placed for collections – generally “ages
Debt Buyers Who Outsource Debt Collection Activities Cannot Sidestep the FDCPA
The Fair Debt Collection Practices Act (“FDCPA”) protects consumers against the harassing and oppressive actions of a debt collector. A
The Supreme Court Has Opened the Door for Extending the Statute of Limitations for FDCPA Claims
The Fair Debt Collections Practices Act, U.S.C. § 1692 et seq. (the “FDCPA”) regulates the actions that a debt collector
Capital One Conducted Credit Inquires and Obtained Credit Reports without Permission
Credit reports contain personal and sensitive information. This fact is not only understood as a matter of common sense but
The California Consumer Privacy Act
On January 1, 2020, the California Consumer Privacy Act (“CCPA”) went into effect. The CCPA allows California residents to obtain
Credit Reporting Bill Passes House
Senate Bill 1581 was introduced to amend the Fair Credit Reporting Act (“FCRA”). This Bill was recently passed by the
JP Morgan Violated the FCRA by Pulling Credit Reports for Litigation
There are only a limited number of circumstances under which a credit pull (or inquiry) can be conducted under the
Experian Forgot to Do What it Said it Would Do
The Ninth Circuit recently reversed the determination of a district court that granted summary judgment against a plaintiff in a
Comcast Still Pulled Consumer Credit Reports Even though it Said it Would Not
Only under certain circumstances can a business obtain the credit report of an individual. When a business obtains the credit
Lenders are Looking to Phone Data to Check Consumer Creditworthiness – Does This Violate the FCRA?
Millions of people around the world use their cell phones to accomplish everything they would on a computer and more.
Disclosure of Your Credit Information Under the FCRA – Understanding Your Rights
Consumer information is personal and sensitive. The Fair Credit Reporting Act (“FCRA”) provides consumers with rights that must be respected
How Long Does Adverse Information Remain on My Credit Report?
Credit reports are an important tool that credit lenders use to determine if a person is creditworthy. When inaccurate or
