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		<title>Wrongfully Sent to Collections? When You Can Sue Over a Collection on Your Credit Report</title>
		<link>https://thekimlawfirmllc.com/wrongfully-sent-to-collections/</link>
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		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Wed, 14 Oct 2026 17:08:28 +0000</pubDate>
				<category><![CDATA[Collections on Your Credit Report]]></category>
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					<description><![CDATA[A bill you already paid, a balance your insurer was supposed to cover, an account that was never yours: when a debt like that is sent to a collection agency, the damage usually shows up first on your credit report. The law gives you ways to fight it, and in some cases to sue, but [&#8230;]]]></description>
		
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		<title>Can You Sue a Creditor for False Credit Reporting?</title>
		<link>https://thekimlawfirmllc.com/sue-creditor-false-credit-reporting/</link>
					<comments>https://thekimlawfirmllc.com/sue-creditor-false-credit-reporting/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Wed, 14 Oct 2026 13:07:30 +0000</pubDate>
				<category><![CDATA[FCRA Lawsuits and Damages]]></category>
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					<description><![CDATA[If a bank, card issuer, auto lender, mortgage servicer or student loan servicer is telling the credit bureaus something about you that is not true, the law gives you a way to hold it responsible. But the right to sue a creditor over its credit reporting is narrower than most people expect, and it depends [&#8230;]]]></description>
		
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		<title>GEICO’s $1.65 Million C.L.U.E. Report Settlement: Take the Payment or Opt Out by October 20?</title>
		<link>https://thekimlawfirmllc.com/geico-clue-report-settlement/</link>
					<comments>https://thekimlawfirmllc.com/geico-clue-report-settlement/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Sun, 11 Oct 2026 17:45:43 +0000</pubDate>
				<category><![CDATA[Cases, Settlements and Policy Updates]]></category>
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					<description><![CDATA[If you disputed something on your C.L.U.E. insurance report through LexisNexis between March 13, 2022 and May 1, 2026, and the item was an auto insurance claim from GEICO that did not belong to you or anyone on your policy, you may be a member of a $1.65 million class action settlement. Class members are [&#8230;]]]></description>
		
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		<title>A Deleted Account Came Back on Your Credit Report: The FCRA&#8217;s Reinsertion Rules</title>
		<link>https://thekimlawfirmllc.com/deleted-account-back-on-credit-report/</link>
					<comments>https://thekimlawfirmllc.com/deleted-account-back-on-credit-report/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Wed, 07 Oct 2026 14:26:16 +0000</pubDate>
				<category><![CDATA[Credit Report Errors and Disputes]]></category>
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					<description><![CDATA[You disputed an account, the credit bureau deleted it, and months later it is back on your report. That is not supposed to happen without warning. The Fair Credit Reporting Act sets specific rules for putting deleted information back into a credit file, and when a bureau skips them, the consumer has a claim. What [&#8230;]]]></description>
		
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		<title>TransUnion&#8217;s $8.31 Million Bankruptcy Remark Settlement: File a Claim or Opt Out?</title>
		<link>https://thekimlawfirmllc.com/transunion-bankruptcy-settlement/</link>
					<comments>https://thekimlawfirmllc.com/transunion-bankruptcy-settlement/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Wed, 07 Oct 2026 13:21:06 +0000</pubDate>
				<category><![CDATA[Cases, Settlements and Policy Updates]]></category>
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					<description><![CDATA[If a TransUnion credit report between January 2020 and January 2023 said one of your accounts was part of a bankruptcy, and you never filed for bankruptcy (or your only filing was more than ten years earlier), you may be a member of an $8.31 million class action settlement. The deadline to file a claim, [&#8230;]]]></description>
		
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		<title>Equifax&#8217;s $30 Million Hard Inquiry Settlement: File a Claim or Opt Out?</title>
		<link>https://thekimlawfirmllc.com/equifax-hard-inquiry-settlement/</link>
					<comments>https://thekimlawfirmllc.com/equifax-hard-inquiry-settlement/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Wed, 07 Oct 2026 12:55:12 +0000</pubDate>
				<category><![CDATA[Cases, Settlements and Policy Updates]]></category>
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					<description><![CDATA[If you disputed a hard inquiry with Equifax between August 31, 2021 and March 27, 2026, you are probably a member of a $30 million class action settlement, and you have until November 20, 2026 to decide whether to stay in it. For most people, filing a claim is the sensible choice. If an inquiry [&#8230;]]]></description>
		
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		<title>Equifax&#8217;s $100 Million Credit Score Settlement: File a Claim or Opt Out?</title>
		<link>https://thekimlawfirmllc.com/equifax-credit-score-settlement/</link>
					<comments>https://thekimlawfirmllc.com/equifax-credit-score-settlement/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Wed, 07 Oct 2026 12:48:43 +0000</pubDate>
				<category><![CDATA[Cases, Settlements and Policy Updates]]></category>
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					<description><![CDATA[If Equifax reported a wrong credit score for you in the spring of 2022, you are likely a member of a $100 million class action settlement, and you have a decision to make before November 27, 2026. If the wrong score did not cost you anything, the choice is simple: file a claim. If it [&#8230;]]]></description>
		
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		<title>The FCRA Statute of Limitations: How Long You Have to Sue Over a Credit Report or Background Check Error</title>
		<link>https://thekimlawfirmllc.com/fcra-statute-of-limitations/</link>
					<comments>https://thekimlawfirmllc.com/fcra-statute-of-limitations/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Mon, 05 Oct 2026 22:16:22 +0000</pubDate>
				<category><![CDATA[FCRA Lawsuits and Damages]]></category>
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					<description><![CDATA[If a credit bureau, a lender or a background check company put something false in your file and it cost you, there is a federal deadline for doing anything about it in court. It is shorter than many people assume, it runs while you are still disputing, and in some situations it has already started [&#8230;]]]></description>
		
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		<title>Your Credit Report Says You Are Deceased. Here Is How That Happens, and How It Gets Fixed</title>
		<link>https://thekimlawfirmllc.com/credit-report-says-deceased/</link>
					<comments>https://thekimlawfirmllc.com/credit-report-says-deceased/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Sun, 04 Oct 2026 01:21:23 +0000</pubDate>
				<category><![CDATA[Credit Report Errors and Disputes]]></category>
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					<description><![CDATA[A lender turns you down and gives no score. A card stops working. A mortgage application stalls with no explanation anyone will put in writing. Then you pull your own file and find the reason sitting in it: your credit report says you are deceased. This is not a clerical oddity and it is not [&#8230;]]]></description>
		
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		<title>Is There a Judgment on Your Credit Report? What to Check, and When It Is an Error</title>
		<link>https://thekimlawfirmllc.com/judgment-on-credit-report/</link>
					<comments>https://thekimlawfirmllc.com/judgment-on-credit-report/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Fri, 02 Oct 2026 13:02:35 +0000</pubDate>
				<category><![CDATA[Credit Report Errors and Disputes]]></category>
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					<description><![CDATA[You pulled your credit report, or a lender, landlord or employer turned you down, and a court judgment seems to be part of the reason. Before you do anything about it, it helps to know something many people do not: the three nationwide credit bureaus stopped carrying civil judgments years ago. So the first question [&#8230;]]]></description>
		
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