Recent Blog Posts
IDENTITY THIEVES ARE OFTEN PEOPLE YOU KNOW WELL
Identity Theft by Family Members: What You Need to Know Family Members as the Main Perpetrators Most of us read about these massive hacks into corporate databases like JP Morgan Chase, Home Depot, and even Equifax and assume that they will result in rampant identity theft, but the truth is that as identity theft… Read More »
Blankingship & Christiano’s Contingency Fee Representation
Blankingship & Christiano’s Contingency Fee Representation Blankingship & Christiano, P.C. represents consumers in Fair Credit Reporting Act cases on a contingency fee basis. This means that the law firm will not recover attorney’s fees unless we provide a successful result in the litigation. A traditional contingency fee retainer agreement is a contractual agreement between… Read More »
When Bankruptcy Does Not Mean a Fresh Start on Your Credit Report
Reestablishing credit after a bankruptcy discharge is no easy task. Bankruptcy is meant to offer a fresh start with a chance to rebuild your financial life. However, many times the promise of a fresh start is eliminated by inaccurate consumer credit reports related to accounts that should have been included in the bankruptcy. This… Read More »
Experian Traps Consumers in Its Web
The Hidden Arbitration Clauses in Experian’s Affiliate Services Over the past two years, Experian has been defending lawsuits by asserting that victims of its credit reporting violations must arbitrate their claims. This argument is based on consumers signing up for services affiliated with Experian that include arbitration clauses. These services, often under names like… Read More »
Equifax Exposes Confidential Client Information in 2024: Protect Your Rights with Virginia & DC Lawyers
EQUIFAX SHARES AND RELEASES CONFIDENTIAL CONSUMER CREDIT DATA, SOCIAL SECURITY NUMBERS, AND PERSONAL INFORMATION TO DISPUTE PROCESSORS THAT IT DOES NOT PROPERLY SUPERVISE. Inaccurate credit report disputes outsourced to overseas 3rd party contractors. We all know that the big three credit reporting agencies (“CRAs”) collect massive amounts of data about each of us including… Read More »
WHAT ARE THE TOP THREE REASONS TO SUE EQUIFAX?
Equifax is one of the major credit reporting agencies that maintains and publishes credit information about American consumers. When it comes to compliance with consumer protection laws and consumer rights, Equifax has a troubled regulatory history. The largest of its failures occurred in 2017 when Equifax failed to protect consumer credit data as part… Read More »
How Credit Scoring Models Work
Breaking down the credit scoring models algorithm Most consumers think they have some idea how scoring models work and believe that they have a certain fixed score at any point in time. The truth is that there are dozens of different scoring models and the big three (Experian, Trans Union and Equifax) all use… Read More »
The dirty little secret Equifax, Experian, and TransUnion don’t want you to know about inaccurate credit reports.
Consumer Disputes are Outsourced. Equifax, Experian, and TransUnion all have similar business practices for reinvestigating consumer credit report disputes. The dirty little secret that they do not want consumers to know is that they no longer handle these disputes themselves. Not only do they not actually handle or investigate the disputes, they do not… Read More »
What is the role of a credit report attorney?
Credit repair agencies VS. Legal counsel Credit report attorneys do not engage in “credit repair.” We specifically caution against a consumer engaging a credit repair company that makes false promises of their ability to remove items of credit for an upfront fee. Consumers would be much better served and save money by initiating their… Read More »
You must dispute inaccurate credit information with Experian, Equifax, and TransUnion individually.
Experian, Equifax and TransUnion do not share data The three major national credit reporting agencies (Equifax, Experian, and TransUnion) operate as competitors and independent companies that do not share information. While furnishers of credit information (like banks and lenders) have no obligation to report any credit information to the big three, if they do… Read More »
