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The FCRA and Employer Background Checks: Know Your Rights
By The Kim Law Firm, LLC Many employers conduct background checks of job applicants. The Professional Background Screening Association (PBSA)
Is Your Credit Report Accurate? Look for These Six Common Types of Errors
By The Kim Law Firm, LLC The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection,
CFPB Files Lawsuit Against Experian for “Sham” Investigation Into Credit Report Errors
By The Kim Law Firm, LLC On January 7th, 2025, the Consumer Financial Protection Bureau (CFPB) announced a lawsuit against
Can You Sue a Debt Collection Agency for Violating Your Rights Under the FCRA?
By The Kim Law Firm, LLC Yes — and this is the heart of our practice. If you want the
Four Steps to Take to Fix Errors on Your Credit Report
By The Kim Law Firm, LLC Your credit report matters. It can affect your ability to secure loans, obtain favorable
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
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
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
First Advantage Background Services Included False Criminal History in a Background Check Report
By The Kim Law Firm, LLC Background checks are a routine part of an employer’s hiring decision. Background checks can
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
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
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
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
Capital One Conducted Credit Inquires 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
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
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
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
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
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.
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
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