What is a consumer report?
When you obtain your credit report from Equifax, Experian, or TransUnion (or any of the many other consumer reporting…
Job offer withdrawn due to false background check report?
Most job-seekers have never been arrested in their lives. Nevertheless, we at Sherman & Ticchio have seen a recent uptick…
My 9/11 – A lucky escape from Two World Trade Center, 65th Floor
Those of you who know me well have seen this post many times. I decided to go with an abridged…
Credit Card Disputes and the FCRA
What happens when you have fraudulent credit card charges and your credit card issuer does not believe you? The short…
Damages for Violations of the Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) is a fee-shifting statute. This means that, should you prevail in a lawsuit against…
Disputes and Lawsuits: Do You Need a Credit Lawyer?
Disputes and lawsuits: do you need a credit lawyer? Many consumers dispute inaccurate information to Equifax, Experian, Innovis, and TransUnion.…
Should I dispute unauthorized hard inquiries?
You should dispute hard inquiries that are not associated with applications for credit that you made because hard inquiries bring…
Identity theft? 3 steps to take right now
Take these three steps immediately if you believe you are a victim of identity theft (i.e., that an identity thief…
Reinsertion in your credit file of previously deleted information
“Reinsertion” under the Fair Credit Reporting Act (FCRA) means that a credit bureau has started to again report inaccurate information…
Avoid Credit Repair Shops!
Credit repair shops (commonly also known as “credit repair organizations” or CROs) are mass credit dispute operations. You have heard…
What is the Purpose of the Fair Credit Reporting Act?
The Fair Credit Reporting Act (FCRA) was enacted to protect consumers because Congress recognized, as early as 1970, that an…
Can you sue after a credit dispute?
When you dispute an inaccurate debt on your credit reports to one or more credit bureaus (like Equifax, Experian, and…