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CREDIT REPORTING ISSUES WITH DISCOVER?

By Blankingship & Christiano, P.C. |

New Discover Credit Cards are opened online without a signature or ID             We have been suing creditors and credit reporting companies for approximately 20 years and one of the most problematic ones by far has been Discover.  Discover spends just under $100,000,000 annually on advertisements with slogans like “We treat you like you… Read More »

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Legal29

Will Freezing Your Credit Stop Identity Theft?

By Blankingship & Christiano, P.C. |

Consumer Reports wrote an article detailing “Why a Credit Freeze Alone Won’t Stop Identity Theft.” The article identified ways, other than opening credit accounts, that identity thieves can use your personal information including: stealing tax refunds obtaining health insurance scams on payment platforms The article discusses various ways that consumers may deal with those… Read More »

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How To Use Your Credit Report To Uncover Identity Theft Occurrences

By Blankingship & Christiano, P.C. |

Discovering that you may be the victim of identity theft is a shocking experience.  The FBI has stated that identity theft is one of the fastest growing crimes in America.  Blankingship & Christiano helps victims of identity theft who have inaccurate credit reports containing accounts opened by an identity thief.  These accounts can be… Read More »

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Legal23

Consumer Financial Protection Bureau Reporting Results For 2020/2021

By Blankingship & Christiano, P.C. |

Over 350,000 Consumer Complaints with Credit Reporting Agencies In January 2022, the Consumer Financial Protection Bureau issued a report that was an analysis of credit dispute complaint responses by Equifax, Experian, and TransUnion.  The report summarized complaint responses from information obtained by the CFPB related to the three major national consumer credit reporting agencies…. Read More »

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Legal4

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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CreditDef

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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Legal28

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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CreditReport2

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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