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Author Archives: Jay Butchko

Credit Dispute

EXPERIAN SEEKS TO ARBITRATE CREDIT REPORT ERRORS TO AVOID JURIES

By Blankingship & Christiano, P.C. |

Avoid all Experian products and services.  Most people that sign up for on-line products and services quickly click through the terms and conditions, agree to what is required and move on.  After all, who has the time to read all that fine print?  Well… we do, and we have read it so you will… Read More »

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consumer credit law firm near Fairfax

INACCURATE EQUIFAX CREDIT SCORES IN 2022

By Blankingship & Christiano, P.C. |

The Wall Street Journal reported (https://www.wsj.com/articles/equifax-sent-lenders-inaccurate-credit-scores-on-millions-of-consumers-11659467483) that Equifax provided inaccurate credit scores when consumers applied for auto loans, mortgages, and credit cards.  Reporting indicated that Equifax sent the inaccurate credit scores from the middle of March 2022 to early April 2022.  If Equifax provided a credit score for your credit application during that time… Read More »

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CreditDef

AUTO LEASE EXTENSIONS AND INACCURATE CREDIT REPORTS

By Blankingship & Christiano, P.C. |

There are a number of credit reporting issues that can come out of auto leases including erroneous accounting information and inaccurate late payment data.  However, the most problematic one that we have seen arises out of lease term extensions.  Consumers that don’t want to bother with the hassle of lease turn in and getting… Read More »

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Credit Report

HOW DO I CORRECT AN INACCURATE EXPERIAN CREDIT REPORT?

By Blankingship & Christiano, P.C. |

The best way to correct an inaccurate Experian credit report is to send Experian a detailed dispute letter explaining the factual scenario why the information that Experian reports on your credit report is wrong.  You should also include any supporting documentation with the credit dispute letter to prove to Experian that the credit reporting… Read More »

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Auto Credit

INACCURATE CREDIT REPORTS FROM CAPITAL ONE AND CAPITAL ONE AUTO

By Blankingship & Christiano, P.C. |

Blankingship & Christiano have dealt with Capital One in the past and know the issues to examine involving an inaccurate credit report whether it be from inaccurate credit reporting, identity theft, or improper charged off and collection accounts for an automobile loan. Credit reporting errors and inaccuracies with Capital One and Capital One Auto… Read More »

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Legal3

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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Credit

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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