Credit Repair Organizations Act

The Credit Repair Organizations Act is the legislature the regulates credit reporting companies. The primary way they help the consumer is that consumers are protected from fraudulent companies. It’s import to realize that a fee for these services should not be paid until the service is rendered.

Electronic Funds Transfer Act

We use the electronic transfer of funds as one of the main ways to manage money. This law made sure that companies were transparent with fees and also security this has helped to protect consumers when using ATMs and Online payment systems.

Fair Credit Reporting Act

This act made how credit is reported more transparent. Everyone has access to a free credit report every year. This set of laws also made it easier to fix errors on credit reports.

Fair Debt Collection Practices Act

This legislation helps to protect consumers from debt collection agencies. Fair Debt Collection Practice Act also regulated debt collect, including how the companies attempted to collect a debt in ways to protect the consumer from harassment and other unethical practices.

Telephone Consumer Protection Act

These are the set of rules that outline acceptable practices what companies are telemarketing and auto dialing. People trying to sell you a product or service must have permission before making these calls.

Truth-in-Lending Act

Under these laws, lenders must disclose all the terms of credit. This helps consumers to understand the lending process.

If you think a marketer or Creditor has broken any of these laws call 1-888-888-8888 and our representatives can determine if you have a case. This is a free service of our law firm.

Check out these sample legal briefs and pleadings for examples of how other consumers have used these laws to sue for damages.

Articles

Debtor vs. Creditor- Who They Are u0026amp; What The Difference Is

Do you know the difference between debtors and creditors? If you have ever taken out a loan or other forms of credit, you have likely heard these two words, that are used in terms of the agreement. Debtor and Creditor can sometimes make these terms and meaning confusing. Make sure you are informed of what exactly these two terms mean and […]

How To Freeze Your Credit – For FREE

The 2017 Equifax data breach made Americans begin to think about how they could further protect their personal information from breaches in the future. Some consumers placed credit freezes with Equifax, TransUnion, and Experian. Unfortunately, this came with a fee that consumers felt they shouldn’t have to pay. Nerdwallet conducted a national survey, and they found that 71% of Americans had [….]

What to Know About Alternative Credit Data, Reporting and Scoring

Anytime a consumer applies for a new line of credit, auto loan, or home mortgage, the lender pulls the credit history of the consumer. What if this consumer has little or no credit? What is […]

Whole Foods Can’t Escape Allergen False Ad Suit

Original article- Law360 (April 1, 2019 ) by Mike Curly. A judge has decided to let a lawsuit continue that alleges Whole Foods and affiliates have sold food containing food allergens under a false hypoallergenic label. The judge ruled the court does have this jurisdiction because one affiliate runs the entire whole foods website.

How to Place and Remove a Fraud Alert on your Credit Report

Have you been a victim of identity theft? Or do you think someone might be stealing your identity? Recently, there have been historic data breaches such as Equifax and Marriott international. This means that millions of consumers might have had information exposed. Luckily there are ways to protect your data and […]

How to Avoid Identity Theft Over the Internet and Protect Yourself on Social Media

There have been breaches of data at both Facebook and Google Plus. The public has now shown disdain for the current social media sites and how they handle consumer data. It’s essential for people to understand how people can steal identities through social media. How is […]

Family Identity Theft: What to Do if a Relative Steals Your Identity

Did you know that family members stealing other members identity is one of the most common types of identity theft? In fact, in 2014, over half a million identity theft victims said the person who stole their identity was someone they knew. Sometimes it’s a family member […]

Background Checks

Do you know what shows up on a background check for employment? Employment history via background check helps future employers make sure a person is a good fit for the position they are applying for. The interview lets the prospective employee explain job and education experiences that will make them a good fit for the company. Then the employer […]

Law.com: Credit Screening Company Settles Fair Credit Reporting Case for $1M

A 1 million dollar judgment against a background screening company that provided expunged and inaccurate background information to prospective landlords. Stokes v. RealPage focused on claims that […]

Common Mistakes to Avoid When Disputing

The Fair Credit reporting act gives consumers the right to dispute errors on their credit report. Credit Reporting Agencies are required to open an investigation on these disputes. It’s crucial to understand what actions to take when opening a credit error dispute, and also what not to do when getting your credit report fixed. Here are the top […]

Credit errors can get you fired

Credit report errors can also affect your employment. Because background checks often include your credit score, because employers like to know individual financial risks future employees may have. Keep in mind that […]

Blogroll

The Evolution of the Credit Report

Credit report started clunky and hard to understand, and they have evolved to a more streamlined product as the years have gone by. Take a look at the history of the credit report. If you have questions about […]

Top 6 Ways to Improve Your Credit Score

Does bad credit keep you up at night? It affects all aspects of your life, from loans to employment. A low score can take quite a while to improve to fair or reasonable numbers. Don’t let your score negatively impact your life. Don’t worry, we have […]

Best Apps to Manage Your Credit

While it’s important to look at your credit report once a year from the credit bureaus, it’s also important to monitor them frequently. A good source for monitoring is through credit apps. We’ve gathered some of the best apps to […]

Best Wallets to Thwart Electronic Pickpockets

A new type of fraud has broken out across the county, but it’s easy to prevent. Radio- Frequency identification chips commonly called RDIF or Near communication chips (NFC) would be thief have the ability to hack these cards and then use this technology to […]

Credit Repair Scams

When To Hire An Attorney – Know Your Consumer Rights

This is a simplified guide to consumer laws and what actions to take if your rights have been violated. If you think that any of your rights as listed below have violated, it is time to call an attorney to fight for your rights. The FCRA was established to protect […]

The Nitty Gritty of Credit Repair Scams

Often things that sound too good to be often are! Many companies offer consumers quick and easy ways to repair their bad credit. Some credit repair companies are simply scamming consumers, which can lead to more negative consequences than having a low credit score. Watch out for companies offering […]

Debt Collection

Debtor vs. Creditor- Who They Are u0026amp; What Is The Difference

Do you know the difference between Debtor and Credit? These are terms often used in many types of consumer agreements, especially in negotiations about lines of credit. Sometimes all of these terms can be confusing. Let’s look at […]

When To Hire An Attorney – Know Your Consumer Rights

The Fair Credit Reporting Act governs the rules of what and how accounts are reported within credit agencies. If any of your rights listed in this guide have been violated, it’s time for you to seek legal help. FCRA makes sure your financial information is […]

Stop Student Loan Debt Harassment

After college, they are many changes for young adults. It takes time to find living accommodations and begin careers. There is a grace period of six months after graduation before you have to start repaying your student loans. Unfortunately, many private student loans […]

Caught in the Act: How to Spot a Fake Debt Collector

Have you ever received a call about a bill or loan that you have never had? Many people receive calls from fake debt collectors. Some of these counterfeit collectors demand repayment of a loan, false bills, and many other scenarios. The Federal Trade Commission warns consumers that […]

Disputing Errors

What Shows Up On A Background Check For A Job – Employment and Education Verification, Criminal History and Driving Records

Most of the time before an employer makes an offer of employment to a person. They order a background check. Though this may sound strange, it is vital for companies to hire people who will be a good fit for their company. The potential employee does have the ability to explain their past work history, educational background, and other important items. Background checks play […]

How to Avoid and Report Charity Scams

Often during the holiday season or when some tragic has occurred, people feel inclined to donate to charities. Scammers know that during these times people are more willing to give monetary donations. They create fake charities that frequently look very […]

Debtor vs. Creditor- Who They Are u0026amp; What The Difference Is

Sometimes specific words are confusing when taking out loans or making other financial agreements. You may have heard the terms “creditors” and “debtors” but do you understand what your loan documents are talking about? Being informed about specific terms like […]

What to Know About Alternative Credit Data, Reporting and Scoring

An applicant’s credit history is pulled for many reasons such as; new credit cards or lines, home mortgage, or auto loans. Credit history, along with some other key factors, is how a loan is approved. But what if this is a first-time loan? Or what if the person just doesn’t have much […]

Identity Theft

The Marriott Starwood Data Breach: What Happened u0026amp; Tips to Prevent Identity Theft

When Marriot International experienced, a breach of its Starwood guest reservation database personal information of up to 500 million people was released. This is one of the largest data breaches in the hospitality industry. If your information was exposed in this data breach or you think it was revealed learn what […]

How to Avoid Identity Theft Over the Internet and Protect Yourself on Social Media

Recently there have been many data breaches on numerous social media sites. It is time to educate the public in general to how media sites collect its members’ data. Do you know how easy it is to have your identity […]

Family Identity Theft: What to Do if a Relative Steals Your Identity

Sadly, many people who have their identity stolen know who the thief was a family member or close friend. In 2014 alone 550,000 victims of identity theft cited it was by someone they knew. What happens when a relative tries or successfully steals […]

How to Avoid and Report Charity Scams

Many people feel inclined to give to charities. Sadly, many con artists prey on the generosity of others by establishing fake charities. Many times these thieves make their ‘charity” look very legitimate before you donate this year to charities make sure […]

Infographics

Identity Theft Infographic: The Dangers of Identity Theft

This infographic created by Joseph K. Githuku, P.C helps to illustrate the increasing amount of identity theft in the United States. Many people are vulnerable to identity theft because of the large amount of identifying information stored gathered and stored (with or without your consent ) on the internet. Here are a few […]