Recent Blog Posts
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 »
Cleaning Up Your Credit Score for a Mortgage
If you are thinking about buying a home, one of the first factors to consider is whether your credit score is adequate. You should regularly request copies of your credit history to keep an eye on your score. As a credit report lawyer in Ashburn can explain to you, you are entitled to receive… Read More »
3 Errors to Look for on Your Credit Report
Consumer law in Alexandria provides for the right to request a free copy of a person’s credit reports every 12 months. This applies to all three of the major credit reporting bureaus, which are Experian, Equifax, and TransUnion. It is highly advisable to take advantage of this free service to keep track of your… Read More »
Make Protecting Your Credit Your New Year’s Resolution
If you are the victim of identity theft, the road back to restoring your credit can be long and frustrating. If the worst does happen to you, an identity theft attorney in Washington DC can make the process of filing a credit report dispute and restoring your reputation easier. However, you can also take… Read More »
How to Check Your Credit Report
Every person in the United States is legally entitled to see their credit report on a yearly basis. Credit reports are used to determine your credit score, which rates your trustworthiness as a debtor. If you have never checked your credit report before, you may be wondering how easy it is to request it…. Read More »
