Does the credit score you purchased differ from the credit score provided to creditors? The Consumer Financial Protection Bureau (CFPB) says yes! According to a CFPB study, 20% of the scores sold to consumers have a meaningful difference in score with the credit score sold to lenders. The CFPB also concluded the difference in score may [...]
Posts Tagged ‘Trans Union’
IS THE CREDIT SCORE YOU BOUGHT THE SAME CREDIT SCORE SOLD TO LENDERS?
Posted: September 25, 2012 by administrator in FCRATags: ATALANTA GA, atlanta ga, austin tx, Birmingham al, CFPB STUDY, CONSUMER FRAUD, CREDIT REPORT DISPUTE, CREDIT REPORT ERRORS, CREDIT SCORE REPORT, CREDIT SCORE STUDY, DALLAS TEXAS, EQUIFAX, EXPERIAN, fair credit reporting act, FCRA LAW, FT WORTH TEXAS, houston tx, memphis tn, Nashville tn, Orlando FL, Tampa fl, Trans Union
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HOW DO I DISPUTE CREDIT REPORT ERRORS?
Posted: January 22, 2012 by administrator in CREDIT DISPUTES, FCRA, IDENTITY THEFTTags: BIRMINGHAM ALABAMA, CREDIT REPORT DISPUTE, CREDIT REPORT ERROR, CSC CREDIT REPORT, DALLAS TEXAS, EQUIFAX, EXPERIAN, FAIR CREDIT REPORTING ACT ATTORNEY, FCRA attorny, huntsville alabama, JACKSONVILLE FLORIDA, MOBILE ALABAMA, NASHVILLE TENNESSEE, ORLANDO FLORIDA, Trans Union
The most frequent question I receive is – How do I dispute credit report errors? The answer may not be what you think it is. Most consumers think that they should dispute the inaccurate item to the company providing the incorrect information to Equifax, Experian or Trans Union, but that is not the best practice. [...]
OFAC ALERT – HAVE YOU APPLIED FOR CREDIT AND BEEN DENIED?
Posted: January 5, 2012 by administrator in CONSUMER FRAUD, CREDIT DISPUTESTags: Adverse Action, ATLANTA GEORGIA, background check error, BIRMINGHAM ALABAMA, credit denial, CREDIT DISPUTE, CREDIT REPORT, CREDIT REPORT ERROR, DALLAS TEXAS, Denied Credit, EQUIFAX, EXPERIAN, FAIR CREDIT REPORTING ACT ATTORNEY, fcra lawyer, free credit report, Hawk Alert, id theft, IDENTITY THEFT, miami florida, mobile, nashville tennessee lawyer, OFAC Alert, OFAC Dispute, ORLANDO FLORIDA, Trans Union
Have you applied for credit and been denied because your credit report had a OFAC alert? Keep reading….An OFAC alert is an alert given to your potential creditors (landlords, car dealers, credit card companies) when your name matches a name on the Treasury Department’s Office of Foreign Assets Control (OFAC) watch list. The persons named on the OFAC list are [...]
HOW DO I IMPROVE MY CREDIT REPORT IN 2012?
Posted: January 1, 2012 by administrator in CREDIT DISPUTES, FCRATags: atlanta georgia lawyer, BIRMINGHAM ALABAMA, CREDIT REPORT DISPUTE, credit report error attorney, Denied Credit, denied employment, denied insurance, EQUIFAX, EXPERIAN, free credit report, huntsville alabama lawyer, improve credit report, jacksonville florida attorney, MONTGOMERY ALABAMA, nashville tennessee lawyer, orlando florida lawyer, pensacola attorney, Trans Union, tuscaloosa alabama lawyer
How do you improve your credit report? You can improve your credit report – easily and almost for free! Whether you are applying for credit, a job or insurance, your credit report can mean you get the job or you stay at the house! Here are 3 easy tips to improve your credit report and [...]
HOW LONG DOES A TAX LIEN STAY ON MY CREDIT REPORT?
Posted: October 3, 2011 by administrator in COURT OPINIONS, CREDIT DISPUTES, FCRATags: Atlanta GA Credit Report Lawyer, Birmingham Al Credit Report Lawyer, CREDIT REPORT, CREDIT REPORT ERRORS, dallas texas credit report lawyer, EQUIFAX, EXPERIAN, fair credit reporting act, FCRA, Huntsville AL Credit Report Lawyer, incorrect tax lien, Jacksonville FL Credit Report Lawyer, Mobile AL Credit Report Lawyer, Montgomery Al Credit Report Lawyer, Nashville TN Credit Report Lawyer, Orlando Florida Credit Report Lawyer, tax lien, Trans Union
The length of time that a tax lien may stay on your credit report depends on the payment status of the lien. Paid (or satisfied) tax liens may not be reported more than 7 years after the date of payment. 15 U.S.C. 1681c(a)(3). Tax liens that are un-paid may be reported for more than 7 [...]
HOW DO I GET A LOW INTEREST RATE?
Posted: September 8, 2011 by administrator in CREDIT CARD DISPUTES, CREDIT DISPUTES, FCRATags: alabama, attorney, Credit Disputes, CREDIT ERRORS, CREDIT REPORT, EQUIFAX, EXPERIAN, fair credit reporting act, FCRA, Florida, GEORGIA, lawyer, LOWER INTEREST RATE, mississippi, Tennessee, Trans Union
Everyone wants to get the lowest possible mortgage rate — so how do you go about getting it? 1. Have Good credit The first thing is you need to have good credit — that’s a no brainer. The higher your credit score, the less interest you’ll have to pay. One thing to remember about credit [...]
TRANS UNION MAKES $245 MILLION IN 1ST QUARTER OF 2011
Posted: August 2, 2011 by administrator in FCRATags: alabama, attorney, consumer financial protection bureau, credit reporting agency, fair credit reporting act, FCRA, Florida, GEORGIA, lawyer, mississippi, Tennessee, TEXAS, Trans Union
Trans Union announced its 1st quarter revenue for 2011 - $245.9 million an increase of 8.3% compared 1st quarter of 2010. Tran Union’s operating income was $55.1 million, an increase of 19.5 percent compared to 1st quarter of 2010. The net loss from continuing operations attributable to Trans Union for the first quarter was $25.4 million compared to income of $25.0 million [...]
DOES MY LENDER GET THE SAME CREDIT SCORE I GET?
Posted: July 22, 2011 by administrator in CREDIT DISPUTES, FCRATags: alabama, allen, Atlanta, attorney, birmingham, cfpb, consumer financial protection bureau, credit, CREDIT DISPUTE, credit error, CREDIT REPORT, CREDIT SCORE, Dallas, EQUIFAX, EXPERIAN, Florida, frisco, GEORGIA, huntsville, jackson, Jacksonville, law, lawyer, lender, McKinney, Memphis, mississippi, mobile, montgomery, nashville, Orlando, pensacola, Plano, Richardson, tallahassee, Tennessee, TEXAS, Trans Union, Tuscaloosa
Consumers have the right to request (for a fee) their credit score from the three nationwide consumer reporting agencies, Equifax, Experian and Trans Union. Is the credit score consumers receives the same score provided to lenders? No, according to a recent Consumer Financial Protection Bureau (CFPB) report. In its July 20, 2011 report, the CFPB [...]
TELETRACK TO PAY $1.8 MILLION TO SETTLE FCRA CLAIMS
Posted: July 21, 2011 by administrator in CONSUMER FRAUD, CREDIT DISPUTES, FCRATags: Adverse Action, alabama, annualcreditreport, Atlanta, attorney, birmingham, breach notification, consumer, consumer disclosure, credit, CREDIT REPORT, Dallas, dispute, EQUIFAX, error, EXPERIAN, fair credit reporting act, FCRA, Florida, FRAUD, free report, GEORGIA, huntsville, id fraud, id theft, identity, Jacksonville, law, lawsuit, lawyer, Memphis, mobile, nashville, Orlando, Panama City, pensacola, permissible purpose, permissible use, tallahassee, Teletrack, Tennessee, TEXAS, THEFT, Trans Union, Tuscaloosa
Teletrack, Inc. has agreed to pay $1.8 million to settle Federal Trade Commission’s (FTC) charges that it violated the Fair Credit Reporting Act (FCRA). The FTC alleged Teletrack sold consumers’ credit reports to marketers without a permissible purpose. According to the FTC complaint, Teletrack sold consumer credit reports to payday lenders, rental stores, and sub-prime [...]