What Should You Do If You Have A Mixed File Credit Report?
Discovering that your credit report contains errors can be frustrating, especially when it is due to a mixed file credit report. This issue arises when a credit bureau combines your data with someone else’s. It potentially harms your creditworthiness. If left unresolved, it can lead to loan rejections, higher interest rates, or complications during a […]
What Can An Identity Theft Lawyer Do For You?
Identity theft is a growing concern in today’s digital world. It can cause financial hardship, emotional distress, and long-term challenges. Hiring an identity theft lawyer is a proactive way to address this issue, safeguard your rights, and recover from the repercussions. Let’s get to know how these professionals can help you. Assisting with Reporting the […]
How A Lawyer Can Help If You’re Mistakenly Reported As Deceased On A Credit Report
Being mistakenly reported as deceased on a credit report can cause significant financial and emotional strain. This error can block access to loans, disrupt benefits, and tarnish your financial reputation. Legal assistance becomes invaluable in navigating the complexities of rectifying this mistake while protecting your rights under the Fair Credit Reporting Act (FCRA). Understanding the […]
Professionalism, Quality, Responsiveness, Value
Sherman & Ticchio PLLC under the leadership of Brett Sherman is an excellent law firm that represents the best interest of each and every client. Brett is an experienced and knowledgeable lawyer who gets the job done seeking the best results for his client base. His distinguished career is notable and I would highly recommend […]
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 but are, in reality, part of click-bait cons, identity theft is rampant. And a major consequence of identity theft can be the opening of credit cards and other loans in your name without your knowledge […]
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 opportunities. It is recommended to regularly review your credit reports to ensure they accurately reflect your financial history. Fortunately, obtaining your credit reports from the three major credit bureaus – Equifax, Experian, and TransUnion – […]
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 with a copy of your credit report. It is, in other words, a violation of FCRA §1681g for a credit bureau to refuse to give you your credit report as long as you provide the […]
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 law, the term person includes entities such as, among others, (a) consumer reporting agencies (CRAs) — Equifax, Experian, Innovis, TransUnion, and others, (b) furnishers of information to CRAs — lenders, credit card servicers, student loan […]
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 theft fraudulently open credit card accounts, obtain loans, and even open accounts with service providers like utilities.; An identity thief with access to your personal information and knowledge of a credit card number that does […]
Credit Report Errors: Disputes and Lawsuits Under the FCRA
The Fair Credit Reporting Act (FCRA) defines two different types of disputes of inaccurate information on your credit report — “direct disputes” and “indirect disputes” — and it may surprise you which one provides the consumer with more rights. When you dispute incorrect information on your credit report directly to the company that is the […]
Reasonable FCRA dispute investigation… Who decides?
The Fair Credit Reporting Act (FCRA) is intended to protect consumers from the consequences of inaccurate credit reporting. Among other things, the FCRA requires both credit bureaus and furnishers to conduct reasonable investigations of consumer credit disputes and delete, modify, or appropriately update disputed credit report information that cannot be affirmatively verified as accurate. The […]
False criminal record on background check report
False criminal records on background check reports are far too common. This year, Sherman & Ticchio has observed a substantial uptick in the number of people who call us after losing out on jobs (or losing existing jobs) because of inaccurate background check reports. We have also seen a big jump in the number of […]