Recent Blog Posts
Are You Eligible for Damages After a Credit Report Error?
If you have suffered harm as a result of credit report errors, you may be entitled to seek compensatory damages. Consider talking to a credit lawyer about your situation. For individuals who live in Fairfax and beyond, consulting a consumer advocate is a necessary first step toward recovering damages for financial problems caused by… Read More »
How Do Public Records Impact Your Credit Score?
You may already know that your credit score fluctuates based on various types of financial information. If you have different types of credit accounts, make payments on time and in full, and otherwise manage your credit responsibly, then you are likely to have a good credit score. Certain public records, credit card debt, unpaid… Read More »
How to Handle Credit Report Errors
The Fair Credit Reporting Act entitles every American to a free copy of each their credit reports from the three major credit reporting agencies once every 12 months. At any time, you may choose to purchase additional copies. Residents of the Fairfax area who exercise their credit reporting rights by regularly reviewing their credit… Read More »
Get the Facts on Employer Credit Checks
You may already know that if you have poor credit, you may have difficulty obtaining a car loan, mortgage, or credit card. But did you know that you could also jeopardize your candidacy for a job? Many employers run background credit checks on job candidates. By reviewing a candidate’s financial history, it is thought… 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 »
What Goes Into a Credit Dispute Letter?
It is advisable to check your credit reports regularly and to promptly submit a credit report dispute near Fairfax if you detect any errors. You have the right to consult a credit report lawyer for Fair Credit Reporting Act guidance. One common mistake people make when submitting a credit report dispute is failing to… 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 »
Understanding the Role of Credit Reporting Agencies
Credit reporting agencies assemble information about consumer credit histories and evaluate that information on behalf of third parties. Banks, landlords, and other creditors supply information about financial behavior – such as payment histories – to credit reporting agencies. They also may request information about consumers’ histories with other creditors when they are making decisions… Read More »
Answers to Questions About Credit Report Disputes
Your credit history is proof of your financial credibility and stability, yet it may contain erroneous information. This can negatively affect your credit score and compromise your ability to secure lines of credit. You do have rights under consumer law. For example, credit reporting bureaus are required to fix inaccurate information, thanks to the… Read More »
