Category Archives: Credit Card
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 »
Experian Equifax and TransUnion Must Help Service Members With Identity Theft
From 2014 to 2020 military complaints about identity theft have risen 500%. The Consumer Financial Protection Bureau recently issued a report regarding the rising incidence of identity theft affecting service members and their families. The report states that Equifax, Experian, and TransUnion “must be responsive to identity theft and credit concerns of service members… Read More »
EXPERIAN SEEKS TO ARBITRATE CREDIT REPORT ERRORS TO AVOID JURIES
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 »
Why You Cannot Trust the Results of a Furnisher Investigation
Your credit report rights include the right to dispute erroneous information in your credit reports. Unfortunately, it is not likely that the problem will be corrected in a timely manner and quite often, erroneous information is not corrected at all. This is why so many consumers turn to a credit lawyer for guidance. At… Read More »
What to Do When Debt Collectors Call About Money You Do Not Owe
You are protected from abusive debt collection practices and related inaccurate credit report items under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act in Fairfax. Unfortunately, this does not mean that you are guaranteed to never become the target of these abusive debt collectors. It is important to fully understand… Read More »
Steps to Take to Correct a Credit Report Error
Under the Fair Credit Reporting Act you have the right to request a copy of your credit report from each of the three major credit reporting bureaus once every 12 months. The annual reports are free of charge. Reviewing one of your free credit reports every three or four months allows you to quickly… Read More »
What Happens When Credit Reports Are Merged?
There are many different types of credit report errors that can adversely affect your credit history and score. It is not uncommon for a credit report lawyer to discover that a client’s credit report contains information from another person’s file. Occasionally, two separate files may become an inaccurate mixed credit file. This is a… Read More »
Get the Facts About Non-Traditional Credit Reports
It is often surprising for individuals to learn that having no credit history can be just as much of a burden as having a poor credit history. Many lenders are reluctant to extend lines of credit to those who have not yet officially proven their credit trustworthiness. For these individuals, a credit report lawyer… Read More »
Repairing Your Credit Card Problems
If you have ever struggled to repay a creditor, you are not alone. It can be tough to understand how to get your credit score back up to a healthy level without the advice of a credit lawyer in Ashburn, especially if you have habitual credit report problems. Fortunately, as an experienced debt attorney… Read More »
Steps to Take If a Credit Card Company Sues You
When you are sued by a credit card company, it is important to take action fast to protect your rights and your credit score. If you are notified of a suit against you, contact a credit report law firm in Leesburg as soon as possible. Watch this video to learn more about credit card… Read More »