HOW TO ORDER YOUR CREDIT REPORTS FOR FREE

Consumers often contact the Adkins Firm and ask how to get their free credit reports.  The Fair Credit Reporting Act (FCRA) is a federal law that gives consumers the right to a free credit report under several circumstances.  One of the most important and basic rights for consumers under the FCRA is the right to [...]

PUBLIC RECORD ERRORS AND CREDIT REPORTS

PUBLIC RECORD ERRORS AND CREDIT REPORTS Consumers often contact The Adkins Firm because they have public record errors on their credit reports.  Public records may include judgments and liens, such as tax liens.  After a judgment or a lien is filed with the court, consumer reporting agencies include the public record information on the consumer’s credit [...]

CREDIT REPORT ERRORS CAN CAUSE CREDIT DENIALS

Credit report errors can cause credit denials.  According to the Federal Trade Commission, one out of five consumers have credit report errors.   Credit report errors are often the result of mixed credit files.  A mixed credit report is a credit report that contains information about more than one consumer.  Mixed files are common amongst [...]

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 [...]

WENDYS DATA BREACH – WHERE’S THE BREACH?

Wendy's launches investigation into data breach after customers complain of fraudulent charges on credit and debit cards.

COURT DENIES TRANS UNION’S MOTION TO STAY FCRA CLASS ACTION

Court Denies Trans Union Motion to Stay in FCRA Class Action Case Dennis v. Trans Union, LLC, Dist. Court, ED Pennsylvania (Jan. 12, 2016) Consumer reporting agency Trans Union filed a motion to stay, in an effort to postpone legal proceedings for violation of the Fair Credit Reporting Act (“FCRA”). The Court  denied Trans Union's motion because Trans [...]

ID THEFT NEWS – WEEKLY UPDATE

Lawyer Helps Identity Theft Victims  Over 12 million people an identity theft victim every year.  Our firm represents victims of identity theft.  With offices in Alabama, Georgia and Texas, and relationships with lawyers in Florida, we are positioned to help identity theft victims throughout the South. The Fair Credit Reporting Act (FCRA) provides identity theft [...]

HOW DO I GET MY FREE CREDIT REPORT?

Fair Credit Reporting Act Gives Consumers Right to Free Credit Report Do you know how to get a free credit report?  The Fair Credit Reporting Act (FCRA), gives consumers the right to a free credit report from Equifax, Experian and Trans Union.  The free credit reports can be ordered by phone, mail or online.  Click Annual [...]

ID THEFT NEWS: WEEKLY UPDATE

Fair Credit Reporting Act Lawyers Help Identity Theft Victims Over 12 million people an identity theft victim every year.  Identity theft changes lives forever!   Victims may not even know their identity has been stolen until they receive phone calls from debt collectors for debts they do not owe.  Others may discover they are an identity [...]

ID THEFT NEWS: WEEKLY UPDATE

Fair Credit Reporting Act Lawyers Help Identity Theft Victims Over 12 million people an identity theft victim every year.  The harmful effects of identity theft are life changing and last a lifetime.  Victims may not even know their identity has been stolen until they receive debt collection calls for debts they do not owe.  Others [...]