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...
A consumer's credit report in Vadnais Heights, Minnesota, includes bankruptcies, court records and how they pay their bills, which employers, landlords and insurers may use to hire or approve applicants. When applicants are declined jobs or other business deals, the...
People in Minnesota should be aware of their rights under the Fair Debt Collection Practices Act, or FDCPA. This law regulates practices in the debt collection industry, particularly when it comes to third-party debt collection agencies. This is particularly important...
Although identity theft has been around for a long time, it is a relatively new phenomenon as a common occurrence in our society. With the increase of technology as an integral part of everyday life, people are more exposed than ever to the possibility of identity...
People rely on their credit reports for many reasons. Decisions on loan applications or apartment lease approvals might hinge on a decent credit rating. Some would-be employers might even pass on a jobseeker whose credit report looks weak. Unfortunately, not all...