APPS MAY VIOLATE FCRA – FTC SENDS WARNING LETTER TO EVERIFY, INFOPAY AND INTELLIGATOR

The Federal Trade Commission warned marketers of six mobile applications that provide background screening apps that they may be violating the Fair Credit Reporting Act. The FTC warned the apps marketers that, if they have reason to believe the background reports they provide are being used for employment screening, housing, credit, or other similar purposes, … Continue reading APPS MAY VIOLATE FCRA – FTC SENDS WARNING LETTER TO EVERIFY, INFOPAY AND INTELLIGATOR

SOUTH CAROLINA MAN SPENDS 2 YEARS TRYING TO CORRECT EQUIFAX CREDIT REPORT

A South Carolina man, Mike St. Peter, has fought Equifax for years to correct his credit report.  The problem started when Mr. St. Peter discovered a mortgage balance on his Equifax report that never changed – despite making his mortgage payments.  He signed up for a credit monitoring program and saw his mortgage balance staying … Continue reading SOUTH CAROLINA MAN SPENDS 2 YEARS TRYING TO CORRECT EQUIFAX CREDIT REPORT

HOW DO I GET A FREE CREDIT REPORT?

Under the Fair Credit Reporting Act (FCRA), consumers are entitled to one free credit report in a 12 month period.  The federal law provides consumers with one free credit report from each of the three major national credit reporting agencies (CRAs, i.e., Experian, Equifax and Trans Union).  Click here for a free credit report.  Consumers should … Continue reading HOW DO I GET A FREE CREDIT REPORT?