Under the Fair Credit Reporting Act (FCRA) consumers are entitled to one free credit report annually from Equifax, Experian, and Trans Union. The right to a free credit report gives consumers the ability to review and make sure that the information in their credit reports is accurate and complete. Reviewing your credit reports is important to … Continue reading What is the best way to order free credit reports?
Should you purchase identity theft monitoring? I am often asked by consumers if they should purchase an identity theft monitoring membership after they have discovered unauthorized charges, credit report errors or received a data breach notification letter. The answer is may surprise you. Generally, it is not necessary to purchase an identity theft monitoring membership … Continue reading SHOULD I BUY ID THEFT MONITORING?
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 … Continue reading HOW LONG DOES A TAX LIEN STAY ON MY CREDIT REPORT?