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 approved for a new job. One of the more complicated things consumers face in this area is the problem of a mixed credit file. While this term might be unfamiliar to some, it refers to […]
9 Ways A Background Check Attorney Assesses Inaccurate Information In Your Report
Background checks are a big part of any number of processes – whether it’s for employment, housing, or financial services. These reports can, however, often contain inaccuracies that have serious implications. This is where a background check attorney matters, offering an evaluation to identify errors and guide clients through legal recourse. Knowing the Common Causes […]
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 answer is this: you pursue your rights under the federal Fair Credit Reporting Act (FCRA). At Sherman & Ticchio, we are frequently contacted by consumers who have unauthorized/fraudulent charges on their credit reports and credit […]
How long can a negative item stay on my credit report?
The Seven-Year Obsolescence Rule is the Default Under the Fair Credit Reporting Act (FCRA) With the exception of five specific types of information described below, no negative item (most commonly late payments) can remain on a credit report for more than seven years from the date the account first became negative (i.e., the date of […]
Fraudulent charges on your credit card? Now what?
Most credit card issuers tell you that they offer extraordinary fraud protection and that you will never be held responsible for unauthorized charges to your account. In real life, it often doesn’t work out that way. At Sherman & Ticchio, we speak to consumers all the time who are victims of identity theft and find […]