Credit reports contain valuable information about our personal lives and financial dealings. This information typically cannot be disclosed to anyone without your permission. The Fair Credit Reporting Act (FCRA) protects consumers from illegal disclosures that can...
Before you walk into a Vadnais Heights bank to apply for a mortgage or into a Twin Cities area car dealership to buy a new vehicle and get a loan, check your credit report. It might contain an error that could make it difficult or even impossible to buy a new home or...
It’s not unusual to have errors in your credit report. While these issues are certainly frustrating, they can be fixed if you report them to the credit bureaus. However, you may not realize that your Minnesota family members can actually impact what’s in your credit...
Like many people in Minnesota, you have likely received robocalls, or calls that use an auto dialer to send pre-recorded messages. These calls are commonly from solicitors trying to sell you a service or product. Robocalls are illegal in most cases, and many states...
Minnesota citizens who are looking to get hired for a job may need to undergo a background check or report. This information helps a potential employer to understand a person's employment history, education, financial history, medical history and even their criminal...
The legal community in Minnesota is keeping an eye on the Federal Trade Commission's warnings about unfair AI. The Commission says that health systems and businesses are potentially using discriminatory AI that may violate consumer protection laws. The FTC is tracking...
Under federal law, your credit report may not be revealed to anyone or any agency unless you provided permission. The Fair Credit Reporting Act (FCRA) addresses many matters, including fighting privacy violations. An important facet of the law – enacted in 1970 –...
Regular readers of our Minnesota Consumer Rights Blog know that we have several times written in the past about the Fair Debt Collection Practices Act (FDCPA). Simply put, it’s a law that helps to protect consumers from abusive debt collectors. It’s not uncommon for a...
Most Minnesota vehicle owners carry auto loans for the vehicles that they’re driving. Auto loans are commonly known as asset-backed loans where the vehicle is used as a form of collateral to ensure the borrower makes timely loan payments. Unfortunately, sometimes the...
When consumers in Minnesota fall behind on debt, they risk getting turned over to collections, and they may get numerous calls from debt collectors. Some debt collection agencies make reasonable collection attempts, but others do not. Debt collectors cannot do...