Recent Blog Posts
Why Can’t I Get my Inaccurate Credit Report Fixed?
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 »
Why Don’t On-Line Credit Report Disputes Work?
Online disputes simplify the process for Credit Reporting Agencies The Credit Reporting Agencies encourage consumers to file their disputes on-line rather than send in written dispute letters because it is far cheaper for them. When a consumer goes on-line to file their dispute, you do all the work for the CRAs. You select the… Read More »
Don’t End Up in Credit Jail
If there is an error on your credit report, it can have a negative effect on your financial future. This is why it is essential to check for credit inaccuracies and have them fixed. If you see an error on your credit report, it could be due to a creditor or a credit reporting… Read More »
Signs You Are Being Targeted by an Abusive Debt Collector
The Fair Debt Collection Practices Act (FDCPA), which is a federal law, spells out certain consumer rights that protect individuals from abusive debt collectors. If you think that there is a chance you may have been the target of abusive debt collection practices, you might consider talking to a credit lawyer about suing the… Read More »
Things That Hurt Your Credit Score
Many factors can reflect poorly on your credit trustworthiness, including at least one that is not your fault: identity theft. Identity thieves can open new accounts in your name, accrue significant debt, and, of course, fail to pay back these debts. Since it can be difficult to fix your credit score by yourself, it… 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 »
Credit Reporting Myths You Need to Know: Insights from a Consumer Credit Law Firm
Your credit is critical for your personal financial health, yet many people still believe common misconceptions about credit scores and credit reporting. Unless you have recently visited a consumer credit law firm in Fairfax to discuss identity theft or inaccurate credit reporting with a credit lawyer, then it may be time to learn a… 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 »
Get a Better Understanding of Your Credit Score
Your credit score is integral to your financial health. It can persuade lenders to extend a loan or line of credit, and it can influence the rate you receive. There are many different credit scores sold to consumers, and those scores can differ in scoring models from the scores used by a lender who… Read More »
Defining Good Credit Scores
With credit scores, a high number is desirable. If your credit score is less than 720, you can expect to pay more in interest over the life of the loan. Or, you may not be approved for a loan at all. It is advisable to check your credit reports and your scores before applying… Read More »
