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Showing category Fair Credit Reporting Act

Credit Scores: What Are They and Where Do They Come From?

September 24, 2021 by Richard Kim to Fair Credit Reporting Act

Credit Scores - What They Are and Where 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

How Long Does a Collection Account Stay on a Credit Report?

April 10, 2020 by Richard Kim to Fair Credit Reporting Act, Fair Debt Collection Practices Act

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

Capital One Conducted Credit Inquires and Obtained Credit Reports without Permission

March 20, 2020 by Richard Kim to Fair Credit Reporting Act

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

Credit Reporting Bill Passes House

March 6, 2020 by Richard Kim to Fair Credit Reporting Act

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

JP Morgan Violated the FCRA by Pulling Credit Reports for Litigation

February 28, 2020 by Richard Kim to Fair Credit Reporting Act

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

Experian Forgot to Do What it Said it Would Do

February 21, 2020 by Richard Kim to Fair Credit Reporting Act

The Ninth Circuit recently reversed the determination of a district court that granted summary judgment against a plaintiff in a… Read More

Comcast Still Pulled Consumer Credit Reports Even though it Said it Would Not

February 14, 2020 by Richard Kim to Fair Credit Reporting Act

Only under certain circumstances can a business obtain the credit report of an individual.  When a business obtains the credit… Read More

Lenders are Looking to Phone Data to Check Consumer Creditworthiness – Does This Violate the FCRA?

July 11, 2017 by Richard Kim to Fair Credit Reporting Act

Millions of people around the world use their cell phones to accomplish everything they would on a computer and more…. Read More

Disclosure of Your Credit Information Under the FCRA – Understanding Your Rights

June 27, 2017 by Richard Kim to Fair Credit Reporting Act

Consumer information is personal and sensitive. The Fair Credit Reporting Act (“FCRA”) provides consumers with rights that must be respected… Read More

How Long Does Adverse Information Remain on My Credit Report?

June 13, 2017 by Richard Kim to Fair Credit Reporting Act

Credit reports are an important tool that credit lenders use to determine if a person is creditworthy. When inaccurate or… Read More

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    Azanda

    My husband and I were being sued by an incredibly unscrupulous company. My husband was dealing with a life threatening illness... My husband and I were being sued by an incredibly unscrupulous company. My husband was dealing with a life threatening illness and had to have surgery to prolong his life. After botched representation from a lawyer who was an acquaintance and my ignorance of court proceedings which upset the judge (rightfully so) Rich came in, worked over the holidays and saved me from these predators. He won our case and a judgement in our favor.

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    He exemplifies "due diligence". I will consider him a friend for for life. His exemplary work ethics and professionalism are above reproach. Makes me emotional. Thank you Richard Kim. The world needs more attorneys of your character!!!
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    Mr. Kim did everything I could have asked for. He was responsive, quick, perceptive, and displayed keen judgment and perspective... Mr. Kim did everything I could have asked for. He was responsive, quick, perceptive, and displayed keen judgment and perspective. He was also friendly and genuinely caring and concerned. I felt that he was right there with me from the get-go. Mr. Kim's delivery of his legal services was exemplary. With service like his, I expect that Mr. Kim will soon have more clients than he has time in the day. That would be bad for me, but I feel that others should have the chance to benefit from his professional skills. Mr. Kim told me that he values relationships with his clients, and he demonstrated this clearly in our work together. Read More

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    The second I spoke with Rich about my injuries, he took a personal interest in my well-being, and guided me through the legal process... The second I spoke with Rich about my injuries, he took a personal interest in my well-being, and guided me through the legal process. With his help, I was able to more than triple the offer made by the insurance company for my accident. I definitely recommend Rich for your personal injury needs! Read More

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