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		<title>Your Credit Dispute Came Back &#8220;Verified.&#8221; What That Actually Means</title>
		<link>https://thekimlawfirmllc.com/credit-dispute-denied/</link>
					<comments>https://thekimlawfirmllc.com/credit-dispute-denied/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Thu, 03 Sep 2026 17:52:25 +0000</pubDate>
				<category><![CDATA[General Legal News]]></category>
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					<description><![CDATA[You disputed an error on your credit report. Weeks later a letter arrived saying the information had been verified as accurate. The error is still there. That word does a lot of work, and it is worth knowing how little it actually promises. What &#8220;verified&#8221; means in practice The Fair Credit Reporting Act never defines [&#8230;]]]></description>
		
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		<title>Re-Aged Debt: When a Collector Restarts the Seven-Year Clock</title>
		<link>https://thekimlawfirmllc.com/re-aged-debt-credit-report/</link>
					<comments>https://thekimlawfirmllc.com/re-aged-debt-credit-report/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Mon, 24 Aug 2026 13:24:49 +0000</pubDate>
				<category><![CDATA[General Legal News]]></category>
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					<description><![CDATA[The seven-year clock on a collection account is anchored to one date, and nothing that happens afterwards moves it. Not the sale of the debt. Not a new collector taking it over. Not the account being placed with a third agency. When a report shows an old debt with a new date, the clock has [&#8230;]]]></description>
		
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		<title>The Debt Was Discharged. Why Does Your Credit Report Still Show a Balance?</title>
		<link>https://thekimlawfirmllc.com/discharged-debt-still-on-credit-report/</link>
					<comments>https://thekimlawfirmllc.com/discharged-debt-still-on-credit-report/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Mon, 24 Aug 2026 13:24:12 +0000</pubDate>
				<category><![CDATA[General Legal News]]></category>
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					<description><![CDATA[A bankruptcy discharge does not ask a creditor to stop collecting. It orders it to. Under 11 U.S.C. § 524(a)(2), a discharge “operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover or offset any such debt as a personal liability of the [&#8230;]]]></description>
		
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		<title>Someone Pulled Your Credit and Had No Right To</title>
		<link>https://thekimlawfirmllc.com/unauthorized-credit-inquiry/</link>
					<comments>https://thekimlawfirmllc.com/unauthorized-credit-inquiry/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Mon, 24 Aug 2026 13:23:28 +0000</pubDate>
				<category><![CDATA[General Legal News]]></category>
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					<description><![CDATA[A hard inquiry on your credit report is a record that someone asked a credit bureau for your file. If you did not apply for anything, did not ask anyone to check your credit, and have no existing account with the company named, the question is not how to remove the entry. The question is [&#8230;]]]></description>
		
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		<title>The Case Was Dismissed. Why Is It Still on Your Background Check?</title>
		<link>https://thekimlawfirmllc.com/dismissed-charges-background-check/</link>
					<comments>https://thekimlawfirmllc.com/dismissed-charges-background-check/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Mon, 24 Aug 2026 13:22:47 +0000</pubDate>
				<category><![CDATA[General Legal News]]></category>
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					<description><![CDATA[A dismissal is not a conviction. When a criminal case is dismissed, the court has ended it without a finding of guilt. A background check that reports that case as a conviction, or reports it as still open, is reporting something that is not true — and under the Fair Credit Reporting Act, that is [&#8230;]]]></description>
		
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		<title>The Offer Was Pulled After the Background Check. What Now?</title>
		<link>https://thekimlawfirmllc.com/job-offer-rescinded-background-check/</link>
					<comments>https://thekimlawfirmllc.com/job-offer-rescinded-background-check/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Thu, 20 Aug 2026 19:09:19 +0000</pubDate>
				<category><![CDATA[General Legal News]]></category>
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					<description><![CDATA[You had the offer. You may have given notice. Then the background check came back and the offer disappeared — sometimes with an explanation, often without one. Before anything else: the law gives you a window here, and most people never learn it exists until it has closed. The employer has to warn you first [&#8230;]]]></description>
		
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		<title>Your Record Was Expunged. Why Is It Still on Your Background Check?</title>
		<link>https://thekimlawfirmllc.com/expunged-record-background-check/</link>
					<comments>https://thekimlawfirmllc.com/expunged-record-background-check/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Thu, 20 Aug 2026 19:08:12 +0000</pubDate>
				<category><![CDATA[General Legal News]]></category>
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					<description><![CDATA[A judge signed the order. The case was sealed, expunged, or dismissed outright. Then an employer ran a background check and there it was again — the thing a court already took off your record, printed on a report that just cost you a job. This happens more often than it should, and it is [&#8230;]]]></description>
		
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		<title>Do Affirm, Afterpay &#038; Klarna Report to the Credit Bureaus?</title>
		<link>https://thekimlawfirmllc.com/buy-now-pay-later-credit-reporting/</link>
					<comments>https://thekimlawfirmllc.com/buy-now-pay-later-credit-reporting/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Tue, 11 Aug 2026 13:00:00 +0000</pubDate>
				<category><![CDATA[General Legal News]]></category>
		<guid isPermaLink="false">https://thekimlawfirmllc.com/?p=1936</guid>

					<description><![CDATA[By The Kim Law Firm, LLC Facts current as of July 2026; buy-now-pay-later reporting practices are changing quickly and we update this post as they do. In short: it depends on the app. Affirm now furnishes its pay-over-time loans to Experian and TransUnion. Klarna and Afterpay have so far declined to send their U.S. pay-in-4 [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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		<title>How to Remove Collections From Your Credit Report (The Honest Guide)</title>
		<link>https://thekimlawfirmllc.com/how-to-remove-collections-from-credit-report/</link>
					<comments>https://thekimlawfirmllc.com/how-to-remove-collections-from-credit-report/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Tue, 04 Aug 2026 13:00:00 +0000</pubDate>
				<category><![CDATA[General Legal News]]></category>
		<guid isPermaLink="false">https://thekimlawfirmllc.com/?p=1935</guid>

					<description><![CDATA[By The Kim Law Firm, LLC In short: you can get a collection removed when it is inaccurate, unverifiable, not yours, or too old &#8212; by disputing with the credit bureaus and demanding validation from the collector (large debt buyers like Jefferson Capital Systems often cannot fully document the debts they buy), free, using the [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
			</item>
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		<title>How Long Does a Background Check Take? Timelines &#038; Delays</title>
		<link>https://thekimlawfirmllc.com/how-long-does-a-background-check-take/</link>
					<comments>https://thekimlawfirmllc.com/how-long-does-a-background-check-take/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Tue, 28 Jul 2026 13:00:00 +0000</pubDate>
				<category><![CDATA[General Legal News]]></category>
		<guid isPermaLink="false">https://thekimlawfirmllc.com/?p=1934</guid>

					<description><![CDATA[By The Kim Law Firm, LLC In short: most employment background checks come back in two to five business days. Instant database checks return in minutes; county courthouse searches take days; international history, education verification, and manual reviews can stretch to two weeks or more. And there is one delay nobody warns you about: if [&#8230;]]]></description>
		
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