60 MINUTES EXPOSES CREDIT REPORTING AGENCIES’ MISTAKES 60 Minutes exposed the credit reporting agencies’ mistakes in its investigative report. Reporter Steve Kroft interviewed one consumer who discovered credit report errors when she was denied credit at a department store. She requested her credit report from the bureaus, but the credit reports she received looked okay. What she later discovered [...]
Posts Tagged ‘CREDIT REPORT’
60 MINUTES EXPOSES CREDIT REPORTING AGENCIES MISTAKES
Posted: February 14, 2013 by administrator in FCRATags: atlanta ga, brimingham al, CONSUMER LAWYER, credit bureau, CREDIT REPORT, CREDIT REPORT DISPUTE, CREDIT REPORT ERROR, Dallas tx, fair credit reporting act, fcra cause of action, FCRA LAW, free credit report, houston tx, huntsville al, jacksonville fl, mixed credit file, mobile al, Nashville tn, Orlando FL, Tampa fl
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CLEVELAND VICTIM OF TAX IDENTITY THEFT
Posted: March 16, 2012 by administrator in CREDIT DISPUTES, FCRA, IDENTITY THEFTTags: Cleveland OH, CONSUMER LAW, CREDIT REPORT, CREDIT REPORT ERROR, fair credit reporting act, FCRA, id fraud, IDENTITY THEFT, Identity Theft Law, MICAH ADKINS, tax id theft, tax return fraud, tax scam
CONSUMERS AT RISK FOR TAX FRAUD AND IDENTITY THEFT A Cleveland, Ohio resident filed a police report complaining that of tax identity theft. The fraud was discovered when the Internal Revenue Service contacted the identity theft victim with instructions to return a 2009 tax return refund. The identity theft victim was confused by the IRS correspondence because the victim did not file a 2009 tax return or [...]
HOW DO I GET A FREE CREDIT REPORT?
Posted: January 21, 2012 by administrator in FCRATags: Alabama Credit Dispute Lawyer, Atlanta credit dispute attorney, Birmingham Credit Report Attorney, CREDIT DISPUTE, CREDIT REPORT, Florida Credit Report Attorney, Free annual report, Georgia Credit Report Lawyer, How do I get a free credit report?, mobile, Mobile Alabama identity theft lawyer, montgomery, Montgomery Identity Theft Lawyer, Orlando Credit Report Dispute Attorney, Pensacola identity theft lawyer, Tennessee Credit Report Lawyer
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 [...]
OFAC ALERT – HAVE YOU APPLIED FOR CREDIT AND BEEN DENIED?
Posted: January 5, 2012 by administrator in CONSUMER FRAUD, CREDIT DISPUTESTags: Adverse Action, ATLANTA GEORGIA, background check error, BIRMINGHAM ALABAMA, credit denial, CREDIT DISPUTE, CREDIT REPORT, CREDIT REPORT ERROR, DALLAS TEXAS, Denied Credit, EQUIFAX, EXPERIAN, FAIR CREDIT REPORTING ACT ATTORNEY, fcra lawyer, free credit report, Hawk Alert, id theft, IDENTITY THEFT, miami florida, mobile, nashville tennessee lawyer, OFAC Alert, OFAC Dispute, ORLANDO FLORIDA, Trans Union
Have you applied for credit and been denied because your credit report had a OFAC alert? Keep reading….An OFAC alert is an alert given to your potential creditors (landlords, car dealers, credit card companies) when your name matches a name on the Treasury Department’s Office of Foreign Assets Control (OFAC) watch list. The persons named on the OFAC list are [...]
HOW LONG DOES A TAX LIEN STAY ON MY CREDIT REPORT?
Posted: October 3, 2011 by administrator in COURT OPINIONS, CREDIT DISPUTES, FCRATags: Atlanta GA Credit Report Lawyer, Birmingham Al Credit Report Lawyer, CREDIT REPORT, CREDIT REPORT ERRORS, dallas texas credit report lawyer, EQUIFAX, EXPERIAN, fair credit reporting act, FCRA, Huntsville AL Credit Report Lawyer, incorrect tax lien, Jacksonville FL Credit Report Lawyer, Mobile AL Credit Report Lawyer, Montgomery Al Credit Report Lawyer, Nashville TN Credit Report Lawyer, Orlando Florida Credit Report Lawyer, tax lien, Trans Union
The length of time that a tax lien may stay on your credit report depends on the payment status of the lien. Paid (or satisfied) tax liens may not be reported more than 7 years after the date of payment. 15 U.S.C. 1681c(a)(3). Tax liens that are un-paid may be reported for more than 7 [...]
HOW DO I GET A LOW INTEREST RATE?
Posted: September 8, 2011 by administrator in CREDIT CARD DISPUTES, CREDIT DISPUTES, FCRATags: alabama, attorney, Credit Disputes, CREDIT ERRORS, CREDIT REPORT, EQUIFAX, EXPERIAN, fair credit reporting act, FCRA, Florida, GEORGIA, lawyer, LOWER INTEREST RATE, mississippi, Tennessee, Trans Union
Everyone wants to get the lowest possible mortgage rate — so how do you go about getting it? 1. Have Good credit The first thing is you need to have good credit — that’s a no brainer. The higher your credit score, the less interest you’ll have to pay. One thing to remember about credit [...]
FTC SAYS CREDIT REPORT RESELLERS ALLOWED HACKERS TO ACCESS CONSUMERS’ INFO
Posted: September 1, 2011 by administrator in FCRA, IDENTITY THEFTTags: ACRAnet, alabama, attorney, CREDIT REPORT, data breach, Fajilan, Florida, fraud alert, GEORGIA, hacker, id theft, IDENTITY THEFT, lawyer, mississippi, privacy, Settlement Once Credit, Statewide Credit Services, Tennessee
The Federal Trade Commission has settled charges against credit report resellers for not taking reasonable steps to protect consumers’ personal identifying information. The credit report resellers, SettlementOne Credit Corporation, ACRAnet, Inc., and Fajilan and Associates, Inc., also doing business as Statewide Credit Services are required to strengthen their data security according to the FTC order. The FTC [...]
DOES MY LENDER GET THE SAME CREDIT SCORE I GET?
Posted: July 22, 2011 by administrator in CREDIT DISPUTES, FCRATags: alabama, allen, Atlanta, attorney, birmingham, cfpb, consumer financial protection bureau, credit, CREDIT DISPUTE, credit error, CREDIT REPORT, CREDIT SCORE, Dallas, EQUIFAX, EXPERIAN, Florida, frisco, GEORGIA, huntsville, jackson, Jacksonville, law, lawyer, lender, McKinney, Memphis, mississippi, mobile, montgomery, nashville, Orlando, pensacola, Plano, Richardson, tallahassee, Tennessee, TEXAS, Trans Union, Tuscaloosa
Consumers have the right to request (for a fee) their credit score from the three nationwide consumer reporting agencies, Equifax, Experian and Trans Union. Is the credit score consumers receives the same score provided to lenders? No, according to a recent Consumer Financial Protection Bureau (CFPB) report. In its July 20, 2011 report, the CFPB [...]
TELETRACK TO PAY $1.8 MILLION TO SETTLE FCRA CLAIMS
Posted: July 21, 2011 by administrator in CONSUMER FRAUD, CREDIT DISPUTES, FCRATags: Adverse Action, alabama, annualcreditreport, Atlanta, attorney, birmingham, breach notification, consumer, consumer disclosure, credit, CREDIT REPORT, Dallas, dispute, EQUIFAX, error, EXPERIAN, fair credit reporting act, FCRA, Florida, FRAUD, free report, GEORGIA, huntsville, id fraud, id theft, identity, Jacksonville, law, lawsuit, lawyer, Memphis, mobile, nashville, Orlando, Panama City, pensacola, permissible purpose, permissible use, tallahassee, Teletrack, Tennessee, TEXAS, THEFT, Trans Union, Tuscaloosa
Teletrack, Inc. has agreed to pay $1.8 million to settle Federal Trade Commission’s (FTC) charges that it violated the Fair Credit Reporting Act (FCRA). The FTC alleged Teletrack sold consumers’ credit reports to marketers without a permissible purpose. According to the FTC complaint, Teletrack sold consumer credit reports to payday lenders, rental stores, and sub-prime [...]
CREDIT REPORT SCAM EXPOSED
Posted: July 7, 2011 by administrator in CONSUMER FRAUD, CREDIT DISPUTES, FCRA, IDENTITY THEFTTags: alabama, annualcreditreport, Atlanta, attorney, birmingham, breach notification, consumer, CREDIT REPORT, Dallas, EQUIFAX, EXPERIAN, Florida, FRAUD, free report, GEORGIA, huntsville, id fraud, id theft, identity, Jacksonville, law, lawsuit, lawyer, Memphis, mobile, nashville, Orlando, Panama City, pensacola, tallahassee, Tennessee, TEXAS, THEFT, Trans Union, Tuscaloosa
Don’t be fooled by websites that claim to offer free credit reports. There is only ONE free annual credit report website annualcreditreport.com. We recently discovered a sham free credit website annualcreditreport.info. See the difference? It’s the domain name. .Info versus .com. This is a simple trick used by legitimate and not-so-legitimate companies to make users [...]