People Come First At Our Consumer Rights Law Firm
Maryanne, IL
The advice and professional representation I received from you during this difficult process was phenomenal! I can’t thank you enough for your patience in explaining every possible outcome that I was up against in this ugly lawsuit against me. Your ability to de-stress me prior to going into court I greatly appreciated! I am completely amazed by how you responded…
Jeri, MI
Comcast and its Impermissible Credit Report Access
We are seeing a pattern emerge whereby Comcast/Xfinity is gaining access to consumers’ credit reports without having the consumers’ permission nor a permissible purpose to obtain the report under the Fair Credit Reporting Act (FCRA). On a few occasions now, we have seen them gain access to the reports of our clientele. While we are currently taking action against them…
Larry Smith answers on Employment Background Checks
Our very own consumer rights attorney, Larry Smith, contributed to the article “Does Your Credit Score Show Up on Your Background Check?” with Opploans. So, does your credit score show up on your background check? “In a word, no,” answered Larry P. Smith (@LarryPSmithlaw), an attorney at SmithMarco. “Credit scores typically do not show up on a background check. Most…
The Telephonic Consumer Protection Act
Consumer statutes are enacted to create a balance for buyers in the marketplace and prevent sellers from using unfair tactics. The Telephone Consumer Protection Act (“TCPA”) is a consumer minded statute enacted in 1991 that prohibits telemarketers, banks, debt collectors and any other companies from using autodialers or robocalls to contact you at home or on your cell phone without…
More Employment Background Check Class Action Lawsuits
Pepsi Beverage Company recently agreed to pay over $1 million to settle a class action lawsuit against the beverage giant alleging it violated the Fair Credit Reporting Act (“FCRA”) by failing to conduct compliant employment background checks. Accessed Credit Files Without Consent of Applicants Specifically, sometime in or around September of 2015, a class action lawsuit alleged that during the…
What to do when you are Denied Credit
Regardless of the reason for needing a loan, getting denied can be frustrating for a consumer looking to improve his or her financial well being. But rather than taking a loan denial personally, you can take steps to understand why you were denied and work to fix your credit so it does not happen again in the future. Steps to…
Divorce and Your Credit Report
With the stress of divorce and/or marital separation comes the stress of paying your bills and dividing your finances. Maintaining good credit post divorce can be challenging. It is important to understand that a legal separation does not alleviate you of your responsibility and obligation to pay your bills with your spouse that were joint debts incurred while you were…
Are Creditors Required to Report your History?
In January of 2018, GM Financial, the automotive lending giant, ceased to report any of its account information to the credit reporting agencies for as many as 2.5 million of its customers. Consumers were left with blank information which could essentially alter their credit score. Is it legal for a creditor to stop reporting information? Does the law require it…