A California resident, Amit Patel, was falsely tagged as a terrorist by credit reporting agencies. The implications of this caused problems throughout his day-to-day life. The Office of Foreign Assets Control keeps a list of over 6,000 businesses and individuals that they deem suspicious of terrorist actions. Before 9/11 this list was only in the
Data Breaches Common It may be hard to believe, but data breaches are far more common than we’d like to admit or realize. In fact, in the last decade there have been at least 11 high profile data breaches in the US. This includes Target, Home Depot and Neiman Marcus. These are retail stores that
You’ve kept a close eye on your credit score. You’ve kept up on your annual credit reports at www.annualcreditreport.com. But you recently found a mistake listed on your credit report. This error has resulted in issues in many aspects of your life. Your car loan was denied, your upcoming promotion at the bank revoked, your
According to a survey completed by a company called Demos, which investigated 1,000 low and middle income job seekers, one in four have been subject to a credit check during their job application process. Taking that further, one in ten of those hopefuls, were denied a job based on the findings in their credit reports.
It is your right as a US citizen to view your credit report yearly. The 2003 Fair and Accurate Credit Transactions Act put into law that all Americans are entitled to a free review of their credit annually. This allows you assure that all information is accurate and nothing fraudulent is going on with your
Equifax, Experian and TransUnion will change the way they handle errors and list unpaid medical bills as part of the broadest industry overhaul in more than a decade Read the entire article from the Wall Street Journal here: http://www.wsj.com/articles/credit-reporting-giants-agree-to-overhaul-1425873884?mod=djemalertNEWS
When was the last time you checked your credit report? Are you sure its not one of the 46% that contain errors? While some lenders aren’t able to check credit reports, most will perform a proper check when you apply for credit. You might end up getting refused and wonder why it happened. Your credit
There are many new changes that will take place in the new Fair Credit Reporting Improvement Act of 2014. Here are some of the changes that we find to be most dramatic and important to take note of: All bankruptcies would have to be removed after seven years instead of after 10 years. All collections
Strange things happen. We have all experienced almost comical incidences that have been mind boggling. But have you been accused of being deceased? It doesn’t happen too often, but there have been cases where a consumer’s credit report indicates that they are legally dead. This can be extremely frustrating, especially if you are in a
Did you know that a negative background check could cause you to be denied for a job? It’s true! Bad credit or a past arrest could cost you a potential job, a promotion, or even be the cause of a firing. Scary, huh? As if finding and landing a job isn’t hard enough! Filling out
Since 1998, our consumer law firm has represented individuals harmed by credit reporting errors, inaccurate background checks, identity theft, and other consumer rights violations.
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