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You may have read (or watched) The Lord of the Rings. If so, then I think you’ll understand this analogy:… Read More

Background checks are a routine part of an employer’s hiring decision.  Background checks can include information about an individual’s: work… Read More

A “time barred debt” is a debt that was not paid which a creditor can no longer pursue in court… Read More

Although consumers understand that negative information on credit reports – such as an account placed for collections – generally “ages… Read More

The Fair Debt Collection Practices Act (“FDCPA”) protects consumers against the harassing and oppressive actions of a debt collector.  A… Read More

The Fair Debt Collections Practices Act, U.S.C. § 1692 et seq. (the “FDCPA”) regulates the actions that a debt collector… Read More

Credit reports contain personal and sensitive information.  This fact is not only understood as a matter of common sense but… Read More

On January 1, 2020, the California Consumer Privacy Act (“CCPA”) went into effect.  The CCPA allows California residents to obtain… Read More

Senate Bill 1581 was introduced to amend the Fair Credit Reporting Act (“FCRA”).  This Bill was recently passed by the… Read More

There are only a limited number of circumstances under which a credit pull (or inquiry) can be conducted under the… Read More