HOW TO ORDER YOUR FREE CREDIT REPORTS FROM EQUIFAX, EXPERIAN AND TRANS UNION

Do you know how to order your free credit reports from Equifax, Experian and Trans Union? We help our clients learn how to order free credit reports and to dispute credit report errors.

FCRA CASE LAW UPDATE – NO THIRD PARTY DISCLOSURE REQUIRED UNDER 1681e(b) IN 9TH CIRCUIT – Equifax’s Motion for Partial Judgment Denied

Equifax’s Motion for Partial Judgment on the Pleadings Denied In Brooks v. Equifax, the court denied Equifax’s Motion for Partial Judgment on the Pleadings.  In her complaint, plaintiff alleged she settled an account with Wells Fargo, but Equifax did not update her credit report to show that no balance was owed on the account.  About … Continue reading FCRA CASE LAW UPDATE – NO THIRD PARTY DISCLOSURE REQUIRED UNDER 1681e(b) IN 9TH CIRCUIT – Equifax’s Motion for Partial Judgment Denied

HOW TO DISPUTE CREDIT REPORT ERRORS

Got Credit Report Errors? Do you know how to dispute credit report errors?

FCRA UPDATE: NO RIGHT TO OFFSET UNDER FCRA

The trial court acknowledged Synchrony’s claims shared facts in common; however, because the plaintiff’s claims were made under federal law, the FCRA, and the FCRA does not “expressly or impliedly provide[] a right to indemnity,” the court denied Synchrony’s motion for leave to file the third party complaint. Accordingly, “[f]rom a policy standpoint, therefore, it is difficult to conjure up support for a rule which would allow a furnisher to bring an indemnification action.”

4TH CIRCUIT REINFORCES FCRA RULE – NO PRIVATE CAUSE OF ACTION AGAINST FURNISHERS FOR REPORTING FALSE INFORMATION UNDER FCRA

CREDIT REPORT DISPUTE LAWYER - Under the Fair Credit Reporting Act (FCRA), there is no private cause of action under 15 U.S.C. § 1681s-2(a). In other words, consumers cannot successfully sue furnishers for reporting false information under the FCRA.

DEBT COLLECTORS’ NEW CREDIT REPORTING POLICY SHORTENS TIME FOR NEGATIVE CREDIT INFORMATION

Debt Collectors' New Credit Reporting Policy Shortens Time for Negative Credit Information on Consumers' Credit Reports Encore Capital Group, Inc. announced a change in its credit reporting policies for consumers.  Encore's subsidiaries include: Midland Credit Management; Midland Funding, Asset Acceptance; Atlantic Credit & Finance. According to the Encore press release, "A significant challenge with current … Continue reading DEBT COLLECTORS’ NEW CREDIT REPORTING POLICY SHORTENS TIME FOR NEGATIVE CREDIT INFORMATION

Court Denies RentGrow’s Motion to Dismiss Under Spokeo

In a recent decision, a district court denied a user's motion to dismiss citing Spokeo under the Fair Credit Reporting Act ("FCRA"). Green, III v. Rentgrow, Inc. and Trans Union, LLC, Case No.: 2:16-cv-421 (E.D. Va, Nov. 10, 2016). Facts:  Walter Green, III, received a credit monitoring alert that RentGrow obtained a copy of his … Continue reading Court Denies RentGrow’s Motion to Dismiss Under Spokeo

CREDIT REPORT ERRORS – PUBLIC RECORD ERRORS – PAID JUDGMENTS & LIENS

Do you have errors on a credit report or background report? We help consumers with false information on credit reports and background reports. Call 800-263-9091 24/7 for free case review.

ID THEFT LAWYER, MICAH ADKINS RECOGNIZED BY SUPER LAWYERS AS 2014 RISING STAR

Super Lawyers, a national lawyer rating service, recognized Micah Adkins as a 2014 Rising Star for Consumer Law.  The selection process included identification of professional achievement by peer evaluations and independent research.  The Super Lawyer recognition is limited to 5% of the  lawyers in the state.  Super Lawyers Magazine is published in all 50 states and Washington, D.C., … Continue reading ID THEFT LAWYER, MICAH ADKINS RECOGNIZED BY SUPER LAWYERS AS 2014 RISING STAR

3 STEPS TO DISPUTE CREDIT REPORT ERRORS

Do you know how to dispute credit report errors? Credit report errors can keep you from getting approved for credit, insurance or a job.  Credit report errors may appear on your credit report for many reasons, including identity theft, mixed files, creditor errors and public record errors.  Whatever the reason, you should dispute the errors … Continue reading 3 STEPS TO DISPUTE CREDIT REPORT ERRORS