9 Things You Need To Know About Mixed Credit File
Errors on credit reports can impact nearly every part of a person’s financial life, from securing a mortgage to getting…
What is a Consumer Report Under the Fair Credit Reporting Act?
The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, is the primary federal statute that regulates the credit reporting…
You are a Lucrative Product To Credit Bureaus and Background Check Companies
At Sherman & Ticchio, we work in a peculiar field. We are attorneys who assist clients that are the victims…
Professionalism, Quality, Responsiveness, Value
Sherman & Ticchio PLLC under the leadership of Brett Sherman is an excellent law firm that represents the best interest…
Fair Credit Reporting Act Requires Furnishers to Conduct Reasonable Investigations of Consumer Disputes
The Fair Credit Reporting Act (FCRA) defines a furnisher as a company that furnishes information about consumers to credit bureaus…
Adverse Action Under the Fair Credit Reporting Act
Normally, you are entitled to obtain one free copy per year of your credit report with Equifax, Experian, and TransUnion by…
A Short Guide to Credit Report Inquiries
Credit inquiries are something very few consumers fully understand. Let’s take a look at some of the important characteristics of…
What is a Credit Inquiry (and what is the difference between hard inquiries and soft inquiries)?
Broadly speaking, a credit inquiry is a request by a financial institution or other company (like a potential landlord) for…
The Fair Credit Reporting Act and Your Right to Maximum Possible Accuracy (a basic overview)
The Fair Credit Reporting Act (commonly referred to as the FCRA) is the federal law that requires credit bureaus (also…
How do I read my credit report?
You finally get a copy of your credit report with Equifax, Experian, Innovis, TransUnion or one of the many smaller…
Suspect Identity Theft? You Can “Freeze” Your Credit Reports
Today, with data breaches, telephone scams, and bogus links in emails and texts with offers or warnings that seem legitimate…
Employment background check report errors
You’re applying for a job, and you learn that you’ve been accepted. As you, ecstatic, read through the acceptance letter,…