Do I have the right to order a free credit report?

Do I have the right to order a free credit report? The federal Fair Credit Reporting Act promotes the accuracy of credit reports and the privacy of personal information.  Under federal law, consumers have the right to get a free credit report once every 12 months.   This is called a free annual credit report.  Consumers are also entitled to free … Continue reading Do I have the right to order a free credit report?

What should I do if I am a victim of identity theft?

What should I do if I am a victim of identity theft? If you are a victim of identity theft, then you must read these 5 steps to correct credit report errors. Identity theft is the number one crime in America. In 2017, over 146 million Americans became identity theft victims because of the Equifax … Continue reading What should I do if I am a victim of identity theft?

HOW TO ORDER YOUR FREE CREDIT REPORTS FROM EQUIFAX, EXPERIAN AND TRANS UNION

Do you know how to order your free credit reports from Equifax, Experian and Trans Union? We help our clients learn how to order free credit reports and to dispute credit report errors.

HOW TO DISPUTE CREDIT REPORT ERRORS

Got Credit Report Errors? Do you know how to dispute credit report errors?

FCRA WILLFULNESS STANDARD FAVORS CONSUMERS

The FCRA's willfulness standard favors consumers, especially when defendants have information that corroborates the consumer's dispute.

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 … Continue reading HOW TO ORDER YOUR CREDIT REPORTS FOR FREE

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 … Continue reading WHAT HAPPENS IF THE CREDIT BUREAUS VERIFY CREDIT REPORT ERRORS?

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. … Continue reading HOW DO I GET MY FREE CREDIT REPORT?

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 … Continue reading WHAT IS A SPECIALTY CONSUMER REPORTING AGENCY?

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, … Continue reading TARGET CREDIT MONITORING REQUIRES CUSTOMERS TO GIVE UP RIGHT TO JURY TRIAL