People Come First At Our Consumer Rights Law Firm
Over the past several years, consumers have seen a rapid increase in identity theft. It can be argued that it is the fastest growing crime in America with almost 7% of adults experiencing some form of identity theft this year. Identity theft happens when someone uses another person’s information, such as their name, social security number, or credit card number,…
Your credit score is an important factor that can affect your ability to buy a home, get a loan, open a credit card, receive a good interest rate and even get a job or insurance. When considering your credit score, you should be aware that there is more than one score and there is more than one type of score.…
What is a FICO Score? Just when you feel it is hard enough to understand your credit score, FICO, the most widely used and most well known credit scoring model has introduced a new credit scoring system, referred to as FICO 8. FICO, or Fair Isaac Corporation, is the company that analyzes your credit information to predict what is likely…
After disputing inaccurate information on your credit report, can the same account or trade line be reinserted without notice? Under the Fair Credit Reporting Act (“FCRA”), the federal statute that was enacted to promote accuracy, fairness, and privacy of consumer information contained in the files of the credit reporting agencies, there are very specific procedures that a credit reporting agency…
Social media is the interactive means of communication where you can share with your information, ideas, and self-expression with the world. It is a way to stay connected with people both near and far. But what you may not realize is that social media accounts may also be used to make lending decisions based on what you post and how…
Buying a new home is more than likely the biggest purchase you will make in your life. While experts say that nearly 1/3 of homeowners have no mortgage loan, the remaining 2/3 need to make sure their credit is in tip-top shape to get the best mortgage rates available to them. Mortgage companies are relying on consumer credit reports to…