These days, it seems like our phones are constantly ringing—and it’s not our family and friends calling to check in… Read More
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Credit Scores: What Are They and Where Do They Come From?
You may have read (or watched) The Lord of the Rings. If so, then I think you’ll understand this analogy:… Read More
First Advantage Background Services Included False Criminal History in a Background Check Report
Background checks are a routine part of an employer’s hiring decision. Background checks can include information about an individual’s: work… Read More
LVNV’s Collection Attempt on a Time Barred Debt was a Violation of the FDCPA.
A “time barred debt” is a debt that was not paid which a creditor can no longer pursue in court… Read More
How Long Does a Collection Account Stay on a Credit Report?
Although consumers understand that negative information on credit reports – such as an account placed for collections – generally “ages… Read More
Debt Buyers Who Outsource Debt Collection Activities Cannot Sidestep the FDCPA
The Fair Debt Collection Practices Act (“FDCPA”) protects consumers against the harassing and oppressive actions of a debt collector. A… Read More
The Supreme Court Has Opened the Door for Extending the Statute of Limitations for FDCPA Claims
The Fair Debt Collections Practices Act, U.S.C. § 1692 et seq. (the “FDCPA”) regulates the actions that a debt collector… Read More
Capital One Conducted Credit Inquires and Obtained Credit Reports without Permission
Credit reports contain personal and sensitive information. This fact is not only understood as a matter of common sense but… Read More
The California Consumer Privacy Act
On January 1, 2020, the California Consumer Privacy Act (“CCPA”) went into effect. The CCPA allows California residents to obtain… Read More
Credit Reporting Bill Passes House
Senate Bill 1581 was introduced to amend the Fair Credit Reporting Act (“FCRA”). This Bill was recently passed by the… Read More