Law
March 18, 2017
Who Can See Your Credit Report?
The Fair Credit Reporting Act (FCRA), a federal law, requires that for anyone to pull your credit report, they must have a Permissible Purpose. A permissible purpose occurs when someone has a business relationship with you like an employer, insurer, […]
Law
March 16, 2017
Employer Access To Your Personal Information
If you are employed or seeking employment, an employer may want to review your credit report, do a criminal background check and conduct pre-employment screening. To obtain this information about you, the employer must have your written consent. Since this […]
Law
March 15, 2017
Credit Report Inaccuracies
If you notify a credit reporting agency (Equifax, Experian, Trans Union) of errors on your credit report, it is the law that they have to conduct an investigation. As part of that investigation, the credit reporting agency is required to […]
Advice
March 14, 2017
Dispute Credit Report Errors
Now is a good time to check your credit report. Get a free credit report from Experian, Equifax and Trans Union every 12 months at annualcreditreport.com. If you find any errors, you have the legal right to write a dispute […]
Law
March 12, 2017
Outdated Negative (Adverse) information On Credit Reports
Negative or adverse information over seven years old (ten years for bankruptcies) cannot be legally reported on your credit report. Contact Pine Street Legal at (215) 345-9214 or nkanter@pinestreetlegal.com for a free consultation on how to get this outdated information […]
Uncategorized
January 18, 2017
Consumer Debt Collection Stories
The Consumer Financial Protection Bureau (cfpb) is giving consumers a forum for telling their debt collection experiences (see link below). Call Pine Street Legal at (215) 345 9214 for help if debt collectors have threatened you, […]
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; […]