Experienced Minnesota Consumer Law Attorney
If you're applying for a job in Minnesota, potential employers might choose to do a background check. They must follow specific regulations while doing so. Before the background check Potential employers are not permitted to perform a background check without first...
Having a good credit score helps consumers in Minnesota financially by increasing chances of loan approval and better rates. However, any errors on a credit report may get them denied or higher interest rates. The Fair Credit Reporting Act gives consumers protection...
Upon checking your credit score, you might feel concerned if it is lower than you expected. A healthy credit history is crucial in getting approved for – and securing a favorable interest rate on – a car loan, mortgage or another credit card. If your credit habits are...
It has been a good summer for debt collectors. Profits have tripled for two of the largest companies in the industry, according to a report from Bloomberg. One of those companies is Encore Capital Group Inc., which took in $66 million more in revenue than anticipated....
The recently released tenth annual credit score survey reveals that most Americans have gaps in their knowledge of credit scores. The survey of 1,001 Americans by the Consumer Federation of America and VantageScore Solutions shows that 20 percent of households with...
The Federal Trade Commission (FTC) recently reported to Congress on its efforts to inform consumers about the right to dispute and correct errors in credit reports. As regular readers of our Minnesota Consumer Rights Blog know, erroneous credit report information can...
Those of us in the Twin Cities metro who spend significant portions of our workdays on computers know how easy it is to misspell even the simplest words. Typos are simply an unavoidable part of typing. While autocorrect features and old-school copy editing will catch...
It is finally time. Maybe your car is finally broken beyond repair or your growing family means you have to move. You take the right steps to get preapproved for a loan before you shop, only to find out that something is wrong. Really wrong. A years-old debt marked as...
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 your bad...
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...
