If you’ve been delayed or denied a job or faced other issues because of an error on your background check, you might be feeling frustrated and unsure of what to do next. Errors on background checks can have serious consequences, impacting your career, housing, and even your finances. Fortunately, you have rights as a consumer,
Originally posted on The Legal Intelligencer Seventh Circuit Issues Seemingly Internally Inconsistent FCRA/FDCPA Decision In its recent decision in Freeman v. Ocwen Loan Servicing, No. 23-2512, the U.S. Court of Appeals for the Seventh Circuit upheld a district court’s dismissal of a borrower’s Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA)
Identity theft can have severe consequences, from a damaged credit score to financial loss. Understanding your rights under the Fair Credit Reporting Act (FCRA) and knowing when to take legal action is essential in safeguarding your financial health. Common Causes of Identity Theft Identity theft often occurs through various methods that expose individuals to serious
Understanding your rights under the Fair Credit Reporting Act (FCRA) is essential to protect your credit and financial well-being. The FCRA regulates how consumer reporting agencies collect, use, and share your credit information. However, errors on your credit report or background check can have severe consequences for your financial future. This is when hiring an
In recent years, the movement towards fair hiring practices has gained significant momentum, particularly with introducing “Ban the Box” laws. These laws are designed to prevent employers from asking about a candidate’s criminal history on job applications, ensuring that individuals with past convictions are given a fair chance to be evaluated based on their qualifications
Background checks are critical in the healthcare sector. The Office of Inspector General (OIG) exclusionary list is a standard part of these background checks. Employers and job seekers must understand the OIG exclusionary list, how individuals end up on it, and the potential consequences of being wrongly associated with it during a background check. What
Unsolicited phone calls and text messages are a nuisance. But did you know they can also be a violation of your privacy and your rights? The Telephone Consumer Protection Act (TCPA), established in 1991, is a critical piece of legislation to protect consumers from intrusive and unwarranted telemarketing practices. As a consumer, it’s essential to
Discovering errors on your credit report or background check can be a headache-inducing experience. Imagine the added complexity when the inaccuracies involve your twin sibling’s information. While sharing a birthday and perhaps a striking resemblance can be fun, it can also lead to mixed files that impact your financial and personal records. So, here’s a
You have diligently managed your finances, striving for a pristine credit record, only to find derogatory accounts appearing on your credit reports. This unsettling scenario is a reality for many consumers and usually happens when applying for credit or an apartment. At first, many people think that this is due to identity theft. Most often,
While trying to get a loan, you discover a credit inquiry you don’t recognize—a mysterious mark on your credit history that raises more questions than answers. What should you do? Here’s what you should know about unauthorized credit inquiries. What is an Unauthorized Credit Inquiry An unauthorized credit inquiry is a credit check conducted without