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Advice August 27, 2015

Who Reports Your Credit Information?

How you are managing your credit obligations is reported to credit reporting agencies by Furnishers. Furnishers are creditors, banks and organizations that have information about your credit activities. The Fair Credit Reporting Act requires Furnishers to have proper procedures in […]
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Law August 3, 2015

When Can A Third Party View Your Credit Report?

The Fair Credit Reporting Act (FCRA) requires that a third party must have a permissible purpose as defined by the FCRA in order to view your credit report. Some permissible purposes are: by court order, with your written agreement, in […]
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Law July 28, 2015

Length Of Time Adverse Account Remains On Credit Report

Negative (or adverse) accounts remain on a credit report for seven years, unless its a criminal or civil court record or a bankruptcy and they are longer. Check your credit report for any outdated accounts and send the credit reporting […]
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Uncategorized July 24, 2015

If Your Credit Report Dispute Is Rejected Or Ignored

If your credit report dispute letter is ignored or rejected by credit reporting agencies and/or by furnishers of information to the credit reporting agencies, you have legal rights to purse money damages under the Fair Credit Reporting Act.
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Advice July 23, 2015

How Do You Know Who Caused An Error On Your Credit Report

When you recognize an error on your credit report, you can file a written dispute to the credit reporting agency reporting the error. It is important to write the dispute and mail it by certified mail. Do not dispute errors […]
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Advice July 20, 2015

Looking For Errors On Your Credit Report

Information reported on your credit report should be familiar to you because it is supposed to accurately reflect your personal information and your financial history. If you see something that is not familiar or is inconsistent with your records, this […]
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Advice July 17, 2015

Important To Correct Credit Report Errors

Accuracy on your credit report is very important because your credit report can influence whether you are hired for a new job, approved for a home mortgage, personal loan and insurance coverage. If you need help interpreting your credit report […]
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Advice July 12, 2015

Now is a good time to review your credit report for inaccuracies. Go to annualcreditreport.com to get a copy from Experian, Equifax & Trans Union for free every 12 months.

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Advice July 11, 2015

Expunged criminal records should not show up on your credit report but it happens all of the time. Reporting expunged criminal records on a credit report is a violation of the Fair Credit Reporting Act and can cause consumers to lose out on job and housing opportunities. Pine Street Legal can help you right this injustice.

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Advice April 22, 2015

A credit report is a reflection of a person’s creditworthiness expressed in numbers and based on an analysis of that person’s credit files.

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