How to Deal With Debt Collector Harassment
These days, it seems like our phones are constantly ringing—and it’s not our family and friends calling to check in
Richard Kim
November 1, 2021
Category: Fair Credit Reporting Act
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:
Richard Kim
September 24, 2021
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
Richard Kim
April 24, 2020
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
Richard Kim
April 17, 2020
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
Richard Kim
April 10, 2020
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
Richard Kim
April 3, 2020
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
Richard Kim
March 27, 2020
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
Richard Kim
March 20, 2020
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
Richard Kim
March 13, 2020
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
Richard Kim
March 6, 2020
JP Morgan Violated the FCRA by Pulling Credit Reports for Litigation
There are only a limited number of circumstances under which a credit pull (or inquiry) can be conducted under the
Richard Kim
February 28, 2020
Experian Forgot to Do What it Said it Would Do
The Ninth Circuit recently reversed the determination of a district court that granted summary judgment against a plaintiff in a
Richard Kim
February 21, 2020
Comcast Still Pulled Consumer Credit Reports Even though it Said it Would Not
Only under certain circumstances can a business obtain the credit report of an individual. When a business obtains the credit
Richard Kim
February 14, 2020
Lenders are Looking to Phone Data to Check Consumer Creditworthiness – Does This Violate the FCRA?
Millions of people around the world use their cell phones to accomplish everything they would on a computer and more.
Richard Kim
July 11, 2017
Disclosure of Your Credit Information Under the FCRA – Understanding Your Rights
Consumer information is personal and sensitive. The Fair Credit Reporting Act (“FCRA”) provides consumers with rights that must be respected
Richard Kim
June 27, 2017
How Long Does Adverse Information Remain on My Credit Report?
Credit reports are an important tool that credit lenders use to determine if a person is creditworthy. When inaccurate or
Richard Kim
June 13, 2017
Tenant Background Checks – What You Should Know About FCRA Requirements
Millions of residents across the United States are prospective renters who will be subject to a request for a background
Richard Kim
May 30, 2017
The FCRA and Your Free Credit Reports – What You Should Know as a Consumer
Consumers are entitled to a free credit report each year that is generated by the three main credit reporting bureaus.
Richard Kim
May 16, 2017
Understanding the Difference Between a Credit Report and a Consumer Report
The Fair Credit Reporting Act (“FCRA”) regulates how credit reporting agencies obtain and use your credit and consumer history. Credit
Richard Kim
May 2, 2017
The Fair Credit Reporting Act (FCRA) FAQs
Many consumers do not know that the Fair Credit Reporting Act (“FCRA”) protects their rights as a consumer. Consumers
Richard Kim
April 18, 2017
Background Check Disclosure Lawsuit – Did Employer Violate the FCRA?
Given advances in technology, it is become common place for many consent forms and disclosures to be provided and signed
Richard Kim
April 6, 2017
