Check your credit report first if you are considering buying a home. Why should you check your credit report? Your credit score can determine your interest rate. The interest rate determines what you pay over the life of the loan for your home. For example, a 30 year fixed mortgage for $250,000 with 10% down [...]
Posts Tagged ‘CREDIT SCORE’
WANT TO BUY A HOME – CHECK YOUR CREDIT REPORT FIRST!
Posted: March 12, 2012 by administrator in CREDIT DISPUTES, FCRATags: atlanta ga, Birmingham al, CONSUMER LAW, CREDIT DISPUTE, CREDIT REPORT ERROR, CREDIT SCORE, credit score factors, Dallas tx, fair credit reporting act, fcra lawyer, free credit report, home loan tips, Nashville tn, Orlando FL
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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 [...]
I RECEIVED A BREACH NOTIFICATION LETTER – WHAT NEXT?
Posted: July 11, 2011 by administrator in CREDIT DISPUTES, DATA BREACHES & DATA LOSS, FCRA, IDENTITY THEFTTags: Adverse Action, alabama, Atlanta, attorney, birmingham, breach, breach notification, credit, CREDIT SCORE, Dallas, data, dispute, fair credit reporting act, FCRA, Federal Trade Commission, Florida, FRAUD, FTC, GEORGIA, huntsville, id fraud, identity, inaccurate, Jacksonville, law, lawsuit, lawyer, MEDICAL CENTER, Memphis, mobile, montgomery, nashville, Orlando, Panama City, PATIENT, pensacola, privacy, report, RIGHTS, tallahassee, Tennessee, TEXAS, THEFT, TROY, Tuscaloosa
Consumers receive breach notification letters (and e-mails) all the time, but do you know what you should do if you receive a breach notification? Chances are, if you live in one of the 46 states with a breach notification law, you have received a notice that your personal identifying information may have been lost or [...]
DODD FRANK RISK BASED PRICING RULE FINALIZED
Posted: July 9, 2011 by administrator in CREDIT DISPUTES, FCRATags: Adverse Action, alabama, Atlanta, attorney, birmingham, credit, CREDIT SCORE, Dallas, dispute, dodd frank, fair credit reporting act, FCRA, Federal Trade Commission, Florida, FRAUD, FTC, GEORGIA, huntsville, inaccurate, Jacksonville, law, lawsuit, lawyer, Memphis, mobile, montgomery, nashville, Orlando, Panama City, pensacola, report, risk, risk based pricing, tallahassee, Tennessee, TEXAS, Tuscaloosa
The Federal Trade Commission and the Federal Reserve Board have finalized changes to the proposed Risk Based Pricing Rule. The Final Rule requires creditors to provide consumers with their credit score when the consumer’s credit score is used to determine credit terms. What is risk based pricing? Risk based pricing is “the practice of setting [...]
MORGAN STANLEY CUSTOMERS AT RISK FOR ID THEFT
Posted: July 8, 2011 by administrator in CREDIT DISPUTES, DATA BREACHES & DATA LOSS, FCRA, IDENTITY THEFTTags: Adverse Action, alabama, Atlanta, attorney, birmingham, credit, CREDIT SCORE, Dallas, dispute, fair credit reporting act, FCRA, Federal Trade Commission, Florida, FRAUD, FTC, GEORGIA, huntsville, id fraud, identity, inaccurate, Jacksonville, law, lawsuit, lawyer, MEDICAL CENTER, Memphis, mobile, montgomery, nashville, Orlando, Panama City, PATIENT, pensacola, report, RIGHTS, risk based pricing, tallahassee, Tennessee, TEXAS, THEFT, TROY, Tuscaloosa
Morgan Stanley Smith Barney’s customers are the latest victims of a data loss incident. Morgan Stanley lost 2 CDs containing 34,000 customers’ account information and Social Security numbers, according to Chris Maag at Credit.com. The personal identifying information was allegedly password protected, but the data was not encrypted. Authorities notified Morgan Stanley Smith Barney about [...]