In April, the United States Department of Education (DOE) announced its intent to begin collection efforts on delinquent federal student
What is included on your credit report can impact your finances in a number of different ways. A credit score
The Fair Credit Reporting Act (FCRA) is a federal law that protects consumers from inaccurate information being put on their
Your credit report matters. Even a small mistake can harm your score and cost you money. Unfortunately, credit report errors
The Fair Credit Reporting Act (FCRA) protects consumers against inaccurate information on their credit report. All companies that report information
On March 14th, 2025, the United States Court of Appeals for the Fourth Circuit issued a decision in the case
In February of 2025, Forbes reported that many student loan borrowers from all across the country are seeing sudden drops
Unfortunately, identity theft is a severe problem. The AARP cites a study estimating that Americans lose nearly $50 billion each
Many employers conduct background checks of job applicants. The Professional Background Screening Association (PBSA) puts the number at 90% of
The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection, dissemination, and use of consumer credit
On January 7th, 2025, the Consumer Financial Protection Bureau (CFPB) announced a lawsuit against Experian. The CFPB alleges that the
What is on your credit report is important. The information can impact your ability to get approved for a mortgage,
Your credit report matters. It can affect your ability to secure loans, obtain favorable interest rates, and sometimes even impact
Your credit report plays a crucial role in determining your financial health, influencing everything from the interest rates offered to
These days, it seems like our phones are constantly ringing—and it’s not our family and friends calling to check in
You may have read (or watched) The Lord of the Rings. If so, then I think you’ll understand this analogy:
Background checks are a routine part of an employer’s hiring decision. Background checks can include information about an individual’s: work
A “time barred debt” is a debt that was not paid which a creditor can no longer pursue in court
Although consumers understand that negative information on credit reports – such as an account placed for collections – generally “ages
The Fair Debt Collection Practices Act (“FDCPA”) protects consumers against the harassing and oppressive actions of a debt collector. A
The Fair Debt Collections Practices Act, U.S.C. § 1692 et seq. (the “FDCPA”) regulates the actions that a debt collector
The Kim Law Firm, LLC is a consumer protection law firm focused on representing individuals and groups of people who have been harmed through corporate wrongdoing.
