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Your Credit Dispute Came Back “Verified.” What That Actually Means
You disputed an error on your credit report. Weeks later a letter arrived saying the information had been verified as
Re-Aged Debt: When a Collector Restarts the Seven-Year Clock
The seven-year clock on a collection account is anchored to one date, and nothing that happens afterwards moves it. Not
The Debt Was Discharged. Why Does Your Credit Report Still Show a Balance?
A bankruptcy discharge does not ask a creditor to stop collecting. It orders it to. Under 11 U.S.C. § 524(a)(2),
Someone Pulled Your Credit and Had No Right To
A hard inquiry on your credit report is a record that someone asked a credit bureau for your file. If
The Case Was Dismissed. Why Is It Still on Your Background Check?
A dismissal is not a conviction. When a criminal case is dismissed, the court has ended it without a finding
The Offer Was Pulled After the Background Check. What Now?
You had the offer. You may have given notice. Then the background check came back and the offer disappeared —
Your Record Was Expunged. Why Is It Still on Your Background Check?
A judge signed the order. The case was sealed, expunged, or dismissed outright. Then an employer ran a background check
Do Affirm, Afterpay & Klarna Report to the Credit Bureaus?
By The Kim Law Firm, LLC Facts current as of July 2026; buy-now-pay-later reporting practices are changing quickly and we
How to Remove Collections From Your Credit Report (The Honest Guide)
By The Kim Law Firm, LLC In short: you can get a collection removed when it is inaccurate, unverifiable, not
How Long Does a Background Check Take? Timelines & Delays
By The Kim Law Firm, LLC In short: most employment background checks come back in two to five business days.
What Does a Background Check Show? (And What It Can’t)
By The Kim Law Firm, LLC In short: an employment background check typically shows your identity details, criminal history, employment
Unaddressed Credit Report Errors are Growing Fast: Federal Lawmakers are Demanding Answers
By The Kim Law Firm, LLC On May 4, 2026, ProPublica reported that there had been a sharp and alarming
The FCRA and Medical Debt: Where the Law Stands in 2026
By The Kim Law Firm, LLC The Fair Credit Reporting Act (FCRA) is a federal law that protects consumers from
Capital One Has Reached a $2.4 Million Class Action Settlement in Fair Credit Reporting Act (FCRA) Violation Case
By The Kim Law Firm, LLC According to a report from Newsbreak, Capital One has agreed to a $2.4 million
Federal Student Loans: What Type of Loan You Have and Why it Matters
By The Kim Law Firm, LLC With the cost of college and graduate school being as high as it is,
Proposed Class Action Lawsuit Will Test Bounds of AI Hiring Tools and the FCRA
By The Kim Law Firm, LLC On January 21, 2026, The New York Times reported that a proposed class action
Recent Court Decision Shows Importance of Proving Damages in a Fair Credit Reporting Act (FCRA) Claim
By The Kim Law Firm, LLC The Fair Credit Reporting Act (FCRA) is a federal law that protects consumers from
A Bill Was Introduced in the House of Representatives that Would Make the FCRA Less Consumer-Friendly
By The Kim Law Firm, LLC In October of 2025, the FCRA Liability Harmonization Act was introduced into the United
CFPB Announces New “Preemption” Rule for Fair Credit Reporting Act (FCRA)
By The Kim Law Firm, LLC On October 28, 2025, the Consumer Financial Protection Bureau (CFPB) published a new “preemption”
Claims Against Data Furnishers and the FCRA: Frequently Asked Questions (FAQs)
By The Kim Law Firm, LLC If the furnisher reporting your account will not fix what it sent to the
FCRA Amended By the Homebuyers Privacy Protection Act (What Consumers Need to Know)
By The Kim Law Firm, LLC In September of 2025, President Trump signed the Homebuyers Privacy Protection Act (HPPA) into
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