People Come First At Our Consumer Rights Law Firm
As a follow up to our last blog about hiring a credit repair company, I thought it appropriate to discuss tips in spotting credit repair scams. Consumers looking to hire a company to fix their credit need to be informed of the risks of hiring a repairer that is looking to take their money and make empty promises of fixing…
All too often consumers ask about credit repair…is it worthwhile, what does it cost, should I sign up? Credit repair is a service provided by a company that helps consumers remove unwanted and inaccurate information from their credit file to help improve credit reports. Consumers can hire a company to clean their credit or just as easily can sign up…
Your credit report and credit score are more than just a piece of paper and number. Your information can affect your day to day activity and your financial well-being. Good credit will earn you favorable interest rates, a better apartment, a larger mortgage loan, better credit cards, insurance…the list is endless. Preparing yourself for good credit is a simple process…
Negative accounts on your credit file may seem like an everlasting problem. While it feels like an eternity before these delinquent accounts come off your report and are no longer haunting your credit score, acquainting yourself with the Fair Credit Reporting Act (“FCRA”) will ensure the information is removed in a timely fashion. Under the FCRA, negative debt can only…
Some of you fans of comedian John Oliver may have seen his recent ranting about the credit reporting industry. Indeed, Mr. Oliver’s commentary is hysterical, and he draws some rather wild comparisons. But beyond the entertainment is some rather startling information and facts about the industry, where it is today, and how it affects us. Mr. Oliver pointed out…
With Tax Day just a few short days behind us, those who filed on time are more than likely already thinking about what they will get back. Statistics show that approximately two-thirds of Americans who file taxes on time will receive a refund. While most consumers make plans for how they are going to spend the money on vacations, home…
After 25 years since its inception, violations of the Telephone Consumer Protection Act (“TCPA”) continue to soar in 2016. This consumer minded statue has seen just over an 80% increase from 2015 and a 15% increase already this year. Enacted in 1991, the TCPA protects consumers from over zealous debt collectors and telemarketers using automatic telephone dialing systems and artificial…
Believe it or not, a visit to the doctor these days may result in more than a healthcare check. Healthcare providers today are checking more than just your well being, they also may be checking your credit. While the healthcare industry may claim they are accessing consumer credit files to determine whether or not a patient is eligible for discounted…
When disputing items on our credit reports, sometimes the decision comes out unfavorably, and the credit bureaus and the creditors have determined that information you wanted removed will remain on the credit report. Perhaps the information is somewhat accurate, but deserves an explanation. The Fair Credit Reporting Act (“FCRA”) allows the right to place a 100 word statement on your…
When the letters and phone calls from collection agencies start coming in, avoidance may seem like the best option, but ignoring the communication will only work for a little while. Before you know it, you may start receiving court documents and eventually a notice of garnishment. Having a judgment against you, allowing a creditor or collector to garnish spells trouble…