Why You Should Consider A Free Consultation With An NYC Credit Lawyer
Most people who find errors on their credit reports don’t know where to start. They pull their report, spot something…
What Is A Derogatory Mark On Your Credit Report And How Does It Affect You?
If you’ve ever pulled your credit report and spotted the word “derogatory,” you’re not alone in feeling unsure about what…
Understanding How To Separate Credit Reports In New York
You check your credit report, and something is off. There are addresses you have never lived at, accounts you never…
How A Credit Fraud Lawyer In New York Can Protect Your Rights
Fraudulent information on a credit report does not announce itself. Most people find out the hard way: a loan application…
FCRA Credit Reporting Requirements Explained For New York Consumers
There is a federal law that governs nearly every decision made about your credit, and most people could not tell…
Top FAQs On How To Fix Your Credit Report
It affects your ability to get loans, credit cards, and even housing. Mistakes on your credit report can cause serious…
How To Fix Your Credit Report: A Practical Guide
A credit report is a detailed record of your borrowing history. It shows your loans, credit cards, payment history, and…
How To Prove You Are Not Deceased On Your Credit Report
Being falsely reported as deceased on your credit report is a serious issue that can affect your financial life.…
Are all mixed file cases willful FCRA violations?
In our view, punitive damages under the Fair Credit Reporting Act are appropriate in all mixed file cases. To recap…
Mixed Files by Equifax, Experian, and TransUnion
The Fair Credit Reporting Act (FCRA) requires consumer reporting agencies (a/k/a credit bureaus or CRAs) to maintain reasonable procedures to…
“Consumer Reports” finds errors on 1/3 of credit reports
Need another reason to keep a close eye on your credit reports? Check out the findings and recommendations from Consumer…
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…