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…
What You Need To Know About Credit Report Dispute Letters In New York
A single inaccuracy on your credit report can affect your ability to secure housing, financing, or even employment. When New…
Knowing The Distinction Between Mixed Credit Files And Identity Theft
Spotting an unfamiliar account on your credit report stops you in your tracks. Your first instinct is probably that someone…
Importance Of Employee Background Checks In New York
Landing a job in New York is competitive. Before an offer is finalized, most employers in New York will run…
Synthetic Identity Theft In New York Explained: Recognizing The Threat
Most people picture identity theft as someone stealing a wallet and going on a spending spree. Synthetic identity theft is…
Can Someone Steal Your Identity Using Your Driver’s License In New Jersey?
Most people think of identity theft as something that happens through hacked passwords or phishing emails. A lost or stolen…
A Parent’s Guide To Protecting Children From Identity Theft In New York
Digital systems often treat a child’s identity as active data. Minor identity theft often begins quietly and may go unnoticed…
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 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…
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…