by Consumer Justice Center P.A. | Jan 31, 2020 | Fair Credit Reporting Act
If you’ve ever tried to qualify for a credit card or a personal, car or home loan and have been denied for it, then it likely has something to do at least in part with the negative information contained on your credit report. If you’re wondering how long...
by Consumer Justice Center P.A. | Jan 16, 2020 | Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) is a piece of federal legislation that aims to protect consumers from unethical creditors. It places a high value on transparency. This is one of the reasons why this piece of legislation gives consumers the right to request a free...
On behalf of Consumer Justice Center P.A. | Nov 8, 2019 | Fair Credit Reporting Act
Each year, many consumers find out that they’re not going to be able to reach their financial goals of owning a car or home or taking out a loan because their credit score isn’t what it needs to be to make this happen. One elderly Florida man recently...
On behalf of Consumer Justice Center P.A. | Jun 21, 2019 | Fair Credit Reporting Act
Many employers here in Minnesota and elsewhere across the country require their employees to undergo credit or criminal background checks, or both, before they are hired on for a job. While you may assume that this entitles them to pull your records from decades ago,...
On behalf of Consumer Justice Center P.A. | May 31, 2019 | Fair Credit Reporting Act
A United States Senator from Oregon introduced a proposed amendment to the Fair Credit Reporting Act (FCRA) on May 21. If passed, then all creditors would be required to wait one-year before adding any patient’s medical debts to their consumer credit report. The...
On behalf of Consumer Justice Center P.A. | Feb 21, 2019 | Fair Credit Reporting Act
If you’ve ever filed for bankruptcy, then the trustee in your case likely informed you that it would remain on your credit report for seven years after it was approved. Did you know that no matter if you file for bankruptcy or not, most debts are supposed to be...
On behalf of Consumer Justice Center P.A. | Jan 25, 2019 | Fair Credit Reporting Act
Your credit means everything. It’s how you secure a loan to buy a car. It’s how you qualify for a mortgage and it could even dictate whether you get a job or an apartment that you want to rent. Thus, you definitely want to know what’s on your credit...
On behalf of Consumer Justice Center P.A. | Oct 26, 2018 | Fair Credit Reporting Act
If you recently applied for a job or a loan only to be denied the opportunity because of an incorrect or outdated credit report, you understand the frustration that this brings. As a consumer, you have little control over what a credit report says about you, but...
On behalf of Consumer Justice Center P.A. | Sep 14, 2018 | Fair Credit Reporting Act
As an employee or job seeker, you may be concerned about the type of information that future employers can find out about you from the use of background checks. While it is possible for employers to be able to access such information, there are laws in place to limit...
On behalf of Consumer Justice Center P.A. | Aug 24, 2018 | Fair Credit Reporting Act
When you are applying for a new job, it is quite possible that your potential employer will want to know a lot about you as a person. They will want to know your previous working experience and they may also be interested in what your interests are outside of work in...
