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In the credit reporting world, the idea of what is a re-aged account is often misconstrued. Under the Fair Credit Reporting Act, negative information cannot be reported for more than 7 years. Re-aging an account would be something a creditor does so that the...
Credit Reporting Agencies tend to make mistakes when creating credit reports. Some of these mistakes are harmless, but some can cause serious economic harm. Whenever you find an error on your credit report, you should dispute the error. But what are the most common...
EFTA stands for the Electronic Funds Transfers Act. And true to its name, it is the law that provides for the rights and responsibilities of those making electronic transfers. What is an electronic funds transfer? It is transferring funds through any sort of...
The recent revelation making headlines is that Equifax has been sending the wrong scores to potential lenders. Equifax, pursuant to requests for consumers’ credit scores, was sending erroneous information consisting of lower credit scores than what the consumer’s...
This morning, April 5, 2022, the television program Good Morning America ran a very alarming story about bank scams. As it was reported, the Electronic Funds Transfers Act, is the regulation enacted to protect consumers from fraudulent or unauthorized electronic...
Every day millions of Americans find errors on their credit reports. A large number of those errors can cause credit or employment denial. Therefore, it is important that when you find an error on your credit report, you immediately dispute that error. Any disputes...
Most employers today require prospective employees to pass a background check before getting the job. It can be quite embarrassing when the employer advises you that you failed the background check, even though you know you have a clear record. You also may be lost...
Millions of Americans have false or inaccurate information on their credit files. A certain amount of these inaccuracies can lead to credit or insurance denials. It is not only important to check your credit regularly, but also to make sure to dispute inaccurate...
You apply for a job and go in for the interview. Everything goes well. The employer is eager to have you on board. You are hired, pending routine background check. Then a few days later, you receive a letter from that employer that tells you that they cannot hire...
SmithMarco, P.C.’s managing partner, Larry Smith, met with The Rideshare Guy, Harry Campbell earlier this year on a podcast. The discussion was about background checks being utilized by rideshare companies, such as Uber and Lyft. Many drivers are being blocked from...