On behalf of Consumer Justice Center P.A. | Jun 18, 2020 | Fair Credit Reporting Act
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...
On behalf of Consumer Justice Center P.A. | May 26, 2020 | Fair Credit Reporting Act
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...
On behalf of Consumer Justice Center P.A. | Apr 20, 2020 | Fair Credit Reporting Act
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...
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...
