Category Archives: Credit Report Disputes
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 »
Inaccurate Wells Fargo Credit Report
Wells Fargo paid more than $3.7 billion to settle claims that it harmed more than 16 million consumers. https://www.wsj.com/articles/wells-fargo-reaches-3-7-billion-deal-with-regulators-over-consumer-banking-11671546132. These violations impacted consumers with auto loans, mortgages, and deposit accounts. According to the Consumer Financial Protection Board, Wells Fargo illegally assessed fees and interest charges on car loans and home mortgages. As a result,… Read More »
Fix inaccurate Equifax, TransUnion, and Experian credit reports
Many consumers are frustrated when they try to correct inaccurate items on their credit reports because it is complicated and time consuming. The best process to fix inaccurate credit reports is to mail credit dispute letters to Equifax, Experian, and TransUnion (not on-line) to dispute and fix inaccurate credit information. When making a credit… Read More »
WHAT TO DO IF YOU ARE HOUNDED BY A DEBT COLLECTOR LIKE MIDLAND FOR A FRADULENT DEBT?
Midland will report your debt to credit Unions Immediately So, you have been contacted by a creditor or debt collector like Midland Credit Management for a debt that is not yours and it seems impossible to keep ignoring it. As frustrating and difficult it may seem to deal with an account that you never… 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 »
INACCURATE EQUIFAX CREDIT SCORES IN 2022
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 »
HOW DO I CORRECT AN INACCURATE EXPERIAN CREDIT REPORT?
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 »
INACCURATE CREDIT REPORTS FROM CAPITAL ONE AND CAPITAL ONE AUTO
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 »
Will Freezing Your Credit Stop Identity Theft?
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 »