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Leasing Agreement Pitfalls And Credit Reporting

By Blankingship & Christiano, P.C. |

Lease contracts can produce unexpected pitfalls in the credit reporting world.  Whether it is an automobile lease or an apartment lease, they have their own challenges and unforeseen consequences.  At Blankingship & Christiano, P.C. we have helped a number of clients that have had extremely problematic leasing issues.  Most of the car leasing problems… Read More »

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What Types Of Damages Are Available For Inaccurate Credit Report Cases?

By Blankingship & Christiano, P.C. |

The Fair Credit Reporting Act authorizes damages for both negligent and willful violations of the statutory requirements related to the investigation of credit disputes and accuracy of information reported by credit reporting agencies.  Typically, the damages available are broken down into three distinct categories: economic damages, intangible damages, and punitive damages.  Depending on the… Read More »

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What To Know About Consumer Credit Repair

By Blankingship & Christiano, P.C. |

The Wall Street Journal published an article about consumer credit repair on September 20, 2021.  The article was a useful introduction of consumer credit rights with ideas for consumers to use various self-help remedies to correct errors on their credit.  Blankingship & Christiano litigates cases for consumers who are unable to have objectively inaccurate… Read More »

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CREDIT REPORTING ISSUES WITH VERIZON, COX AND UTILITIES?

By Blankingship & Christiano, P.C. |

Weak process for handling identity theft I have Verizon service at home and really like it, but what almost all of its customers can attest is that they are less than accommodating at opening and closing of an account.  Whether you are changing addresses, changing service providers, or simply cancelling your service, these phone… Read More »

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IS YOUR POST-BANKRUPTCY CREDIT REPORT UPDATED & ACCURATE?

By Blankingship & Christiano, P.C. |

Most consumers who have been discharged from a Chapter 7 bankruptcy or are in a Chapter 13 bankruptcy have no idea how their discharged debts should appear on their credit reports.  Blankingship &Christiano has seen a large instance of inaccurate credit reporting on consumers post-bankruptcy credit reports that have occurred for a variety of… Read More »

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Why Can’t I Get my Inaccurate Credit Report Fixed?

By Blankingship & Christiano, P.C. |

Most people expect that if they have something inaccurate on their credit report that they should be able to get the inaccurate credit report corrected.  Congress expected that too, but as time passed and the Fair Credit Reporting Act aged, the companies that investigate credit report disputes adjusted their procedures.  If you ask the… Read More »

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Why Don’t On-Line Credit Report Disputes Work?

By Blankingship & Christiano, P.C. |

Online disputes simplify the process for Credit Reporting Agencies The Credit Reporting Agencies encourage consumers to file their disputes on-line rather than send in written dispute letters because it is far cheaper for them.  When a consumer goes on-line to file their dispute, you do all the work for the CRAs.  You select the… Read More »

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Don’t End Up in Credit Jail

By Blankingship & Christiano, P.C. |

If there is an error on your credit report, it can have a negative effect on your financial future. This is why it is essential to check for credit inaccuracies and have them fixed. If you see an error on your credit report, it could be due to a creditor or a credit reporting… Read More »

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Signs You Are Being Targeted by an Abusive Debt Collector

By Blankingship & Christiano, P.C. |

The Fair Debt Collection Practices Act (FDCPA), which is a federal law, spells out certain consumer rights that protect individuals from abusive debt collectors. If you think that there is a chance you may have been the target of abusive debt collection practices, you might consider talking to a credit lawyer about suing the… Read More »

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Things That Hurt Your Credit Score

By Blankingship & Christiano, P.C. |

Many factors can reflect poorly on your credit trustworthiness, including at least one that is not your fault: identity theft. Identity thieves can open new accounts in your name, accrue significant debt, and, of course, fail to pay back these debts. Since it can be difficult to fix your credit score by yourself, it… Read More »

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