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
Richard Kim
August 24, 2026
Category: Employment Background Checks
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
Richard Kim
August 24, 2026
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 —
Richard Kim
August 20, 2026
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
Richard Kim
August 20, 2026
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
Richard Kim
August 11, 2026
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
Richard Kim
August 4, 2026
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.
Richard Kim
July 28, 2026
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
Richard Kim
July 21, 2026
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
Richard Kim
June 3, 2026
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
Richard Kim
May 14, 2026
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
Richard Kim
May 5, 2026
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,
Richard Kim
April 7, 2026
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
Richard Kim
March 7, 2026
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
Richard Kim
February 6, 2026
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
Richard Kim
January 8, 2026
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”
Richard Kim
December 5, 2025
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
Richard Kim
November 2, 2025
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
Richard Kim
October 15, 2025
Eleventh Circuit Narrows Standing to Claim Credit Report Error Under FCRA
By The Kim Law Firm, LLC In July of 2025, the United States Court of Appeals for the Eleventh Circuit
Richard Kim
September 14, 2025
FTC Files Complaint Against Several Companies Involved in “Accelerated Debt”; Alleges FCRA Violations and Other Violations
By The Kim Law Firm, LLC Recently, federal regulators obtained an emergency injunction to stop a so-called “accelerated debt” company
Richard Kim
August 8, 2025
The Federal Government Has Resumed Collection Efforts on Delinquent Student Loans (Make Sure Your Credit Report is Accurate)
By The Kim Law Firm, LLC In April, the United States Department of Education (DOE) announced its intent to begin
Richard Kim
July 7, 2025