A recent story by the New York Times about flawed credit reports did a great job of summing up the trouble and grief that credit reporting agencies give consumers. As a Missouri consumer advocate attorney, I pride myself on staying even keeled and fair for...
credit reporting
Consumer Protection Laws That Strengthen Your Rights
At Healey Law LLC, we take pride in protecting consumers from unscrupulous individuals and businesses that seek to deceive and otherwise manipulate innocent consumers. Our work has shown that some companies will violate the law in order to extract hundreds,...
How To Repair Your Credit When Your File Gets Mixed or Merged
Knowing how to repair your credit when your file has been wrongfully altered can make the difference between getting the loans you need to get to the next level in life, or you being held back from the life of your dreams – and all with no wrong being done on your...
THE FEDERAL TRADE COMMISSION CONFIRMS IT-OVER 40 MILLION AMERICANS HAVE ERRORS IN THEIR CREDIT REPORTS
THE FEDERAL TRADE COMMISSION CONFIRMS IT-OVER 40 MILLION AMERICANS HAVE ERRORS IN THEIR CREDIT REPORTS Recently, the Federal Trade Commission released a study which confirms what consumer advocates have known for quite some time. A significant number of...
Employment Background Reports and the Fair Credit Reporting Act
When most people think of fair credit laws like the Fair Credit Reporting Act (“FCRA”), they tend to only think of credit reports from the Big Three credit reporting agencies, Trans Union, Experian and Equifax. However, the FCRA is broader than that. It protects...
What Can You Do When Someone Else’s Bad Credit Information Ends Up in Your Credit File
The Headaches Caused by Mixed Credit Files With all of the technology available in today’s world, one has to wonder how false and inaccurate information ends up in his or her credit file. When defaulted credit card debts or Court Judgments or unpaid medical debts...