SHOULD I ORDER MY FREE CREDITS REPORT ONLINE?

Should consumers order their free credit reports online? Consumers are entitled to one free credit report a year.  The Fair Credit Reporting Act gives consumers the right to request their free credit reports once every 12 months online, by mail or telephone from Equifax, Experian and Trans Union.  Consumers are also entitled to free credit … Continue reading SHOULD I ORDER MY FREE CREDITS REPORT ONLINE?

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?

Court Orders Trans Union to Produce Documents

A federal judge in the Southern District of Indiana granted plaintiff's motion to compel Trans Union's discovery responses. Background Plaintiff alleged Trans Union credit reported false information about him when Trans Union credit reported information that belonged to a different consumer. The plaintiff also alleged that Trans Union failed to correct the credit report errors … Continue reading Court Orders Trans Union to Produce Documents

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?

FCRA CASE LAW UPDATE – NO THIRD PARTY DISCLOSURE REQUIRED UNDER 1681e(b) IN 9TH CIRCUIT – Equifax’s Motion for Partial Judgment Denied

Equifax’s Motion for Partial Judgment on the Pleadings Denied In Brooks v. Equifax, the court denied Equifax’s Motion for Partial Judgment on the Pleadings.  In her complaint, plaintiff alleged she settled an account with Wells Fargo, but Equifax did not update her credit report to show that no balance was owed on the account.  About … Continue reading FCRA CASE LAW UPDATE – NO THIRD PARTY DISCLOSURE REQUIRED UNDER 1681e(b) IN 9TH CIRCUIT – Equifax’s Motion for Partial Judgment Denied

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.

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?

TENANT SCREENING REPORTS AND THE FCRA

Tenant Screening Reports and the FCRA Landlords run tenant screening reports when potential tenants apply for housing.  The cost of the tenant background reports is low, but background report errors can lead to high costs for tenants, including expensive deposits, or even worse - denied housing.  Most tenant screening reports include criminal records and rental history, including … Continue reading TENANT SCREENING REPORTS AND THE FCRA