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…
How can I dispute an error on my credit report?
To dispute an error on your credit report, a good practice is to contact the consumer reporting agency (also known…
Why are there errors on my credit report?
Your credit report is a record of your creditworthiness. Chances are, every payment you’ve made to a big label credit…
How can I obtain my credit reports from Equifax, Experian, and TransUnion?
Your credit reports play an important role in your financial life. They can influence everything from loan approvals to job…
Credit Bureaus must provide you with a copy of your credit report under the FCRA
§1681g of the Fair Credit Reporting Act (FCRA) requires that “[e]very consumer reporting agency shall, upon request …” provide you…
Why you need to get to know the Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act (or FCRA), passed in 1970, is a federal statute designed to protect consumers. The FCRA…
Mixed Files and Merged Files: Common Credit Report Problems
If you find someone else’s accounts or personal information on your credit report, Sherman ; Ticchio can help. The same…
The FCRA: You may be entitled to financial compensation for credit report errors
FCRA §1681o applies to negligent violations of the Fair Credit Reporting Act Pursuant to FCRA §1681o, any person (under the…
Identity Theft – a Guide for Consumers
Identity theft happens when one individual uses the personal identifying information of another person without permission. Often, perpetrators of identity…
The Worst Time to Discover an Inaccurate Credit Report
While perhaps obvious, the absolute worst time to learn about errors on your credit report(s) with Equifax, Experian, Innovis, and…