Uncategorized
December 22, 2016
Credit Report Initial Fraud Alert
You can place an Initial Fraud Alert on your credit report if you have a good faith suspicion that you have been or will be a victim of identity theft or fraud. It is a good first step if you […]
Advice
December 15, 2016
Fraud Alert For Active Service Members
Active Duty Service Members can help stop harm to their credit report from identity theft and other fraud when assigned to service away from their usual duty stations by initiating an Active Duty Alert. To add the alert, service members […]
Law
December 12, 2016
Stop Unwanted Calls
Congress passed the Telephone Consumer Protection Act (TCPA) to protect individual consumers from receiving intrusive and unwanted calls. Under this Act it is unlawful for any person to make any call (other than a call made for emergency purposes or […]
Uncategorized
December 8, 2016
Beware Of Debt Collection Abuse
Debt collectors may violate the Fair Debt Collections Practices Act, a federal law, if they engage in any of the following actions: Threaten legal action that cannot be legally taken; Lie about the amount of money owed; Use curse words; […]
Advice
December 6, 2016
How Credit Report Errors Can Hurt Creditworthiness
Errors on your credit report can cause your credit score to go down. If that happens, the following may occur: You are forced to pay much higher credit card interest rates; Your car and home insurance rates goes up; You […]
Uncategorized
December 5, 2016
Ways To Tell If You Are A Victim Of Identity Theft
The following are indications of when someone is a victim of Identity Theft: Look for unexplained and unfamiliar charges or withdrawals on the statements of your financial accounts. Take notice of whether you are not receiving mail that you normally […]
Advice
December 3, 2016
Know Your Credit Reporting Rights
As individuals, having good credit is very important in being able to secure things you want in life. Though you do not have much control over what is initially reported on your credit report, here are certain rights that you […]
Uncategorized
December 2, 2016
STOP DEBT COLLECTOR HARASSMENT
Take the following steps to stop debt collector harassment and abuse: Send a cease and desist letter by certified mail saying to stop contacting you. Send a complaint to the Federal Trade Commission (FTC) &/or your state Attorney General Office; […]
Uncategorized
November 15, 2016
CHECK YOUR CREDIT REPORT
Before the holidays is a good time of the year to check your credit report. Go to annualcreditreport.com for a free copy of your credit report from TransUnion, Experian and Equifax once every 12 months. This site is the federally […]
Uncategorized
November 15, 2016
COMMON CREDIT REPORT ERRORS
Common credit report errors are Obsolete information, Clerical errors, Merged/Mixed credit information, Identity theft and Employment background check errors. Call Pine Street Legal at (215) 345-9214 to protect your legal right to have an accurate credit report