People Come First At Our Consumer Rights Law Firm
As an attorney that handles Fair Credit Reporting Act cases, I am often called by consumers who claim errors on their credit reports in order to review their report. Lately, more and more often the consumer will send in a report from Credit Karma. This seems to be the hottest new thing for consumers to view their credit report and…
A first for the two major consumer protection agencies, a unity or meeting of the minds, between the Federal Trade Commission (“FTC”) and the Consumer Financial Protection Bureau (“CFPB”). These consumer agencies came together for the first time to try to protect consumer rights across the board. The goal, “Operation Collection Protection”. This initiative will unite all the federal agencies…
In 2009 the Federal Government signed into law the Credit Card Accountability, Responsibility and Disclosure Act, or Credit CARD Act. This law was aimed at improving the industry for consumers and stopping the overall abusive practices of the credit card business. In 2011, the Consumer Financial Protection Bureau (“CFPB”), the agency in charge of consumer protection in the financial marketplace,…
As the year comes to a close, debt is a common concern for many consumers. Whether you were a little less than conservative during the holiday season or accrued debt during the year that you have not been able to pay off, the Fair Debt Collection Practices Act (“FDCPA”) will protect you from debt collectors. Consumers all to often fall…
As discussed in the last blog how consumers have a variety of credit scores, consumers also have a variety of consumer reports. Beyond the credit reports from each of the three big credit reporting agencies, Experian, Equifax and Trans Union, consumers have specialty reports that are used to provide different types of data to lenders looking for specific information. Just…
The more you learn about your credit the more you understand the importance of maintaining a good credit score. In fact, most credit reporting agencies now offer a “free score” with a copy of your report so that you can ensure your score is decent enough to earn you favorable interest rates, new credit and larger loans. Each consumer, believe…
Going in for a job interview can be intimidating all on its own. Couple that with your potential employer conducting an employee background check and the entire process can be down right scary. Whether you are hired or fired may depend on the information found in your credit report or a background report, however the Fair Credit Reporting Act (“FCRA”)…
The Fair Credit Reporting Act (“FCRA”), is the federal statute that was created to ensure accuracy and privacy of consumer information. Its purpose is to protect consumers from distribution of inaccurate information contained in reports as well as the privacy of their information. To this end, the FCRA sets guidelines on who can access a report and when the access…
As we get closer to holiday time – and holiday shopping, it’s a good idea to check your credit report before subjecting yourself to the multitude of credit applications we may be going through while trying to take advantage of the best holiday deals. Take the time to review your accounts and make sure your credit report is accurate. If…
As the year is coming to a close, now is a better time than ever to order a copy of your credit report, especially consumers who have not taken advantage of their free copy from annualcreditreport.com. After receiving a copy of your report from all three credit reporting agencies, Equifax, Experian and Trans Union, and checking your report for errors,…