Category: Credit Report Errors and Disputes

A Deleted Account Came Back on Your Credit Report: The FCRA’s Reinsertion Rules

You disputed an account, the credit bureau deleted it, and months later it is back on your report. That is

Richard Kim October 7, 2026

TransUnion’s $8.31 Million Bankruptcy Remark Settlement: File a Claim or Opt Out?

If a TransUnion credit report between January 2020 and January 2023 said one of your accounts was part of a

Richard Kim October 7, 2026

Equifax’s $30 Million Hard Inquiry Settlement: File a Claim or Opt Out?

If you disputed a hard inquiry with Equifax between August 31, 2021 and March 27, 2026, you are probably a

Richard Kim October 7, 2026

Equifax’s $100 Million Credit Score Settlement: File a Claim or Opt Out?

If Equifax reported a wrong credit score for you in the spring of 2022, you are likely a member of

Richard Kim October 7, 2026

The FCRA Statute of Limitations: How Long You Have to Sue Over a Credit Report or Background Check Error

If a credit bureau, a lender or a background check company put something false in your file and it cost

Richard Kim October 5, 2026

Your Credit Report Says You Are Deceased. Here Is How That Happens, and How It Gets Fixed

A lender turns you down and gives no score. A card stops working. A mortgage application stalls with no explanation

Richard Kim October 3, 2026

Is There a Judgment on Your Credit Report? What to Check, and When It Is an Error

You pulled your credit report, or a lender, landlord or employer turned you down, and a court judgment seems to

Richard Kim October 2, 2026

How to Dispute a ChexSystems Report After a Bank Turns You Down

A bank or credit union turned down your application for a checking account, and the reason was a report from

Richard Kim September 25, 2026

How to Dispute a Checkr Background Check — and What to Do When Checkr “Confirms” the Report

Checkr runs the background checks behind the large rideshare and delivery platforms and a long list of employers that hire

Richard Kim September 22, 2026

Someone Else’s Criminal Record Is on Your Background Check. Here Is How It Got There — and What the Screening Company Owes You

You have never been arrested. The report the employer is holding says otherwise: a conviction, a case number, a county

Richard Kim September 18, 2026

A Closed Account on Your Credit Report: When It Belongs There — and When It Is Reporting Something That Never Happened

The account is closed. You closed it, or the card issuer did, or the loan was paid to zero and

Richard Kim September 17, 2026

You “Failed” a Background Check. There Is No Such Thing — Here Is What Actually Happened, and What You Are Owed

The recruiter’s e-mail says the offer is withdrawn because you did not pass the background check. It reads like an

Richard Kim September 16, 2026

A Late Payment on Your Credit Report That You Never Made: How to Dispute It

You paid on time. Your credit report says you did not. A “30 days late” that appears on an account

Richard Kim September 15, 2026

Someone Opened a Utility Account — or Signed a Lease — in Your Name. Here’s Where That Fraud Hides, and How To Root It Out.

Credit card fraud announces itself: a statement arrives, a score drops, an alert fires. Utility and apartment fraud is quieter.

Richard Kim September 14, 2026

Category: Credit Report Errors and Disputes

A Deleted Account Came Back on Your Credit Report: The FCRA’s Reinsertion Rules

TransUnion’s $8.31 Million Bankruptcy Remark Settlement: File a Claim or Opt Out?

Equifax’s $30 Million Hard Inquiry Settlement: File a Claim or Opt Out?

Equifax’s $100 Million Credit Score Settlement: File a Claim or Opt Out?

The FCRA Statute of Limitations: How Long You Have to Sue Over a Credit Report or Background Check Error

Your Credit Report Says You Are Deceased. Here Is How That Happens, and How It Gets Fixed

Is There a Judgment on Your Credit Report? What to Check, and When It Is an Error

How to Dispute a ChexSystems Report After a Bank Turns You Down

How to Dispute a Checkr Background Check — and What to Do When Checkr “Confirms” the Report

Someone Else’s Criminal Record Is on Your Background Check. Here Is How It Got There — and What the Screening Company Owes You

A Closed Account on Your Credit Report: When It Belongs There — and When It Is Reporting Something That Never Happened

You “Failed” a Background Check. There Is No Such Thing — Here Is What Actually Happened, and What You Are Owed

A Late Payment on Your Credit Report That You Never Made: How to Dispute It

Someone Opened a Utility Account — or Signed a Lease — in Your Name. Here’s Where That Fraud Hides, and How To Root It Out.

Someone Opened a Credit Card in Your Name. The Steps Everyone Lists Are the Beginning — Not the End.

A Wrong Address on Your Credit Report: When It’s Nothing — and When It’s the First Sign of Real Trouble

A Utility Company Wants a Deposit Before Connecting Your Service? A Bureau You Have Never Heard of May Be the Reason

The Eviction Case Was Dismissed — So Why Is It Still on Your Rental Background Check?

Your Credit Dispute Came Back “Verified.” What That Actually Means

Re-Aged Debt: When a Collector Restarts the Seven-Year Clock

The Debt Was Discharged. Why Does Your Credit Report Still Show a Balance?