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 [...]

WHAT HAPPENS IF THE CREDIT BUREAUS VERIFY CREDIT REPORT ERRORS?

WHAT HAPPENS IF THE CREDIT BUREAUS VERIFY CREDIT REPORT ERRORS? Have you made a dispute to a consumer reporting agency, such as Equifax, Experian or Trans Union?  Did the credit reporting agency verify false information?  The Fair Credit Reporting Act (FCRA) is a federal law that provides consumers in all 50 states with rights, including [...]

HOW DO I GET MY FREE CREDIT REPORT?

How do I get my free credit report? The Fair Credit reporting Act (FCRA) is a federal law that gives consumers rights, including the right to a free credit report every 12 months.  Consumers may order free reports from the nationwide consumer reporting agencies, including Equifax, Experian and Trans Union, by mail, phone or online. [...]

WHAT IS A SPECIALTY CONSUMER REPORTING AGENCY?

Most people have heard of a consumer reporting agency (CRA), but what is a specialty consumer reporting agency?  The Fair Credit Reporting Act (FCRA) defines a “consumer report” as any communication of information by a consumer reporting agency “bearing on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode [...]

TARGET CREDIT MONITORING REQUIRES CUSTOMERS TO GIVE UP RIGHT TO JURY TRIAL

Target is offering customers credit monitoring and ID theft insurance for one year.  What the credit monitoring service takes away from consumers may be more important than the information provided by the services. Target partnered with Experian and is offering credit monitoring and ID theft insurance to over 100 million consumers.  Customers may sign up online for the one-year membership - point, [...]

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 [...]

HOW DO I ORDER MY FREE CREDIT REPORT?

Under federal law, consumers have a right to a free credit report.  The Fair Credit Reporting Act (FCRA) gives consumers the right to order a free credit under a number of different circumstances from the 3 nationwide consumer reporting agencies, Equifax, Experian and Trans Union. Most recently, in 2004, and for the first time, consumers were given [...]

HOW DO I DISPUTE CREDIT REPORT ERRORS?

HOW DO I DISPUTE CREDIT REPORT ERRORS? Do you have errors on your credit report?  Credit report errors can keep you from getting credit.  Credit report errors can also cause you to pay higher interest rates. So what do you do if you find errors on your credit report? The Fair Credit Reporting Act (FCRA) [...]

HOW MUCH MONEY DOES EQUIFAX’S CEO MAKE?

How much money does the Equifax chief executive officer make a year? According to Forbes, Equifax's Chairman and Chief Executive, Richard Smith, made over $11 million in 2011.  Equifax compensated Smith as follows in 2011: $1,450,000  Salary $2,940,530  Stock Awards $1,891,062  Option awards $2,310,627  Non-equity incentive plan $2,323,000  Change in pension value & nonqualified deferred [...]

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 [...]