The Fair Credit Reporting Act (FCRA) helps people want to avoid problems with their credit reports. The FCRA's rules stipulate that information on the report is accurate and kept private. Not everyone realizes how expansive the FCRA's rules are. A Minnesota job seeker...
It is not uncommon for police officers, county deputies and public employees to routinely abuse their search capabilities of law enforcement and driver’s license databases for their own thrill-seeking purposes. Through the years, there have been numerous cases in...
Drivers in Minnesota rely on their cars. Many of them may not live in an area with bus service and even rideshare can get expensive. Sometimes, people find to their shock that their car has been wrongfully repossessed. This occurs when a creditor takes collateral...
Recently, an alarming number of people with VA home loans throughout Minnesota have been receiving calls and mail from scammers. These scammers use a wide range of tactics to try and con their potential victims. Fortunately, you can protect yourself from these...
Telemarketing calls are a common complaint among many residents of Minnesota. The Telephone Consumer Protection Act has tried to protect individuals by prohibiting both prerecorded and autodialed calls. However, delivering voicemails to a ringless voicemail box is a...
In Minnesota and across the nation, just about every endeavor requires some form of a background check. This is often perceived as an attempt on the part of an employer, a landlord or an institution to ensure that people to whom they rent a property, hire or admit are...
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...