DOES YOUR LANDLORD REPORT YOUR PAYMENT HISTORY?

.tags { display: none; } Traditionally, the nationwide consumer reporting agencies have not reported rental payment history, but that is about to change.  Experian, a nationwide consumer reporting agency, has announced that it has added a reporting section to consumer reports for tenant history, including late-pays, bounced lease checks and early move-outs. Over 35% of … Continue reading DOES YOUR LANDLORD REPORT YOUR PAYMENT HISTORY?

HOW DO I GET A FREE CREDIT REPORT?

Under the Fair Credit Reporting Act (FCRA), consumers are entitled to one free credit report in a 12 month period.  The federal law provides consumers with one free credit report from each of the three major national credit reporting agencies (CRAs, i.e., Experian, Equifax and Trans Union).  Click here for a free credit report.  Consumers should … Continue reading HOW DO I GET A FREE CREDIT REPORT?

FREE SAMPLE CREDIT REPORT DISPUTE LETTER

Consumers often contact us for a sample credit report dispute letter to dispute inaccurate information contained on their Experian, Equifax or Trans Union credit reports.  Did you know incorrect items can decrease your credit score and ability to get credit?  If you need a free sample credit report dispute letter, then check out this sample dispute letter recommended by … Continue reading FREE SAMPLE CREDIT REPORT DISPUTE LETTER

HOW DO I ADD ACCOUNTS TO MY CREDIT REPORT?

I am often asked by my clients how to add accounts to their credit reports.  In fact, your credit file may not reflect all your credit accounts. Although most national department stores and all-purpose bank credit card accounts are included in your file, not all creditors supply information to credit reporting companies.  For example, some retailers, credit unions, … Continue reading HOW DO I ADD ACCOUNTS TO MY CREDIT REPORT?

HOW DO I DISPUTE INFO ON MY CREDIT REPORT?

According to the Federal Trade Commission (FTC), consumers should dispute inaccurate information on their Equifax, Experian or Trans Union credit reports.  Derogatory or negative information on your credit report can decrease your credit score.  Ultimately, you may be denied credit, employment or insurance based on incorrect information in your credit report. The FTC recommends taking … Continue reading HOW DO I DISPUTE INFO ON MY CREDIT REPORT?

HOW CAN I GET A FREE CREDIT REPORT?

Did you know federal law provides consumers with the right to receive one free credit report (annual file disclosure) from all three nationwide consumer reporting agencies, Experian, Equifax and Trans Union, once in a twelve month time period?  The Fair Credit Reporting Act (as amended by the Fair and Accurate Credit Transactions Act) gives consumers the right to a free … Continue reading HOW CAN I GET A FREE CREDIT REPORT?

HOW DO I GET A FREE CREDIT REPORT?

Federal law provides consumers with the right to receive their free credit report (annual file disclosure) from all three nationwide consumer reporting agencies, Experian, Equifax and Trans Union, once in a twelve month time period.  15 USC 1681j.  The law also required Experian, Equifax and Trans Union to create a central source for consumers to make a request … Continue reading HOW DO I GET A FREE CREDIT REPORT?

FREE IDENTITY THEFT CONSULTATION

Identity theft is one of the fastest growing crimes in the United States.  Regardless of your attempts to protect your identity and personal information, highly skilled identity thieves utilize a number of identity theft scams in attempts to gain access to your private information.   While some techniques are low tech, like dumpster diving or mail box theft, … Continue reading FREE IDENTITY THEFT CONSULTATION

APARTMENT RESIDENTS VICTIMS OF ID THEFT SCAM

Residents living at a Detroit apartment complex have lost thousands of dollars as the result of a ID theft scam.  According to police, several residents of a Saline condo community are victims of an ID theft scam targeting the residents' checking accounts.  The apartment management office has mailed out ID theft warning letters to all residents of the apartment complex. … Continue reading APARTMENT RESIDENTS VICTIMS OF ID THEFT SCAM

CAN I GET A FREE CREDIT REPORT?

Did you know federal law provides consumers with the right to receive one free credit report (annual file disclosure) from all three nationwide consumer reporting agencies, Experian, Equifax and Trans Union, once in a twelve month time period?  The Fair Credit Reporting Act (as amended by the Fair and Accurate Credit Transactions Act) gives consumers the right to a free … Continue reading CAN I GET A FREE CREDIT REPORT?