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Category Archives: Credit Report

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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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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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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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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