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# Adam G. Singer PLLC

Consumer Protection Lawyer

## Sitemaps

- [XML Sitemap](https://creditreportlawgroup.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://creditreportlawgroup.com/blog/) - In need of a consumer litigation lawyer in NY? The Credit Report Law Group practices in areas including debt collection. Call one of our offices now!
- [The Hidden Price of Credit Report Errors and How to Protect Yourself](https://creditreportlawgroup.com/2026/06/10/credit-report-errors/the-hidden-price-of-credit-report-errors-and-how-to-protect-yourself/) - Learn how credit report errors impact your finances, stress levels, and opportunities—and the steps you can take to protect yourself.
- [Tenant Background Check Errors: How Mistakes Can Keep You Out of Housing](https://creditreportlawgroup.com/2026/06/24/housing-background-check-errors/tenant-background-check-errors-how-mistakes-can-keep-you-out-of-housing/) - Learn how tenant background check errors can cost renters their housing, and discover what steps to take to dispute and correct screening mistakes.
- [Protection from Errors in Credit Reports and Identity Theft](https://creditreportlawgroup.com/2026/03/27/credit-report-errors/protection-from-errors-in-credit-reports-and-identity-theft/) - Learn how to protect your credit report from identity theft, fix inaccuracies fast, and safeguard your financial reputation with practical steps & legal rights.
- [How Background Check Errors Can Cost You Job Opportunities](https://creditreportlawgroup.com/2026/03/13/background-check-errors/how-background-check-errors-can-cost-you-job-opportunities/) - Discover how mistakes in background checks can harm job seekers and learn what steps to take to protect your career and rights under the FCRA.
- [Mixed File Errors Are More Common Than You Think](https://creditreportlawgroup.com/2026/04/29/mixed-case-file/mixed-file-errors-are-more-common-than-you-think/) - Mixed file credit reports can damage your credit if not caught early. Learn how to identify, dispute, and fix these errors before they cost you.
- [Employment Background Check Errors Happen, Here’s How to Respond](https://creditreportlawgroup.com/2026/04/15/background-check-errors/employment-background-check-errors-happen-heres-how-to-respond/) - Learn how employment background check errors happen, your rights under FCRA, and how to dispute inaccurate reports to protect your job opportunities.
- [CFPB Finds Credit Report Errors Still a Problem](https://creditreportlawgroup.com/2016/08/18/credit-report-errors/cfpb-finds-credit-report-errors-still-a-problem_bl26157/) - What can I do about errors in my credit report?The Consumer Finance Protection Bureau recently released a study that revealed credit report errors continue to be a serious problem for consumers. The overarching issue is that these errors can adversely affect a consumer's ability to qualify for credit, especially a mortgage loan. In some
- [Credit Report Errors](https://creditreportlawgroup.com/2016/08/12/credit-report-errors/credit-report-errors_bl26158/) - Most people know that maintaining their credit score in good standing is crucial to their financial health. After all, their credit score can have a significant impact on many aspects of their life. Credit scores can affect a person’s ability to buy a home, car, insurance, and may even affect their ability to obtain
- [Disputing Credit Report Errors: An Overview](https://creditreportlawgroup.com/2016/08/29/credit-report-errors/disputing-credit-report-errors-an-overview_bl26425/) - Most people know that maintaining their credit score in good standing is crucial to their financial health. After all, their credit score can have a significant impact on key aspects of their financial life. Credit scores can affect a person’s ability to buy a home, car, insurance, and may even affect their ability to obtain
- [Has undiscovered identity theft damaged your credit score?](https://creditreportlawgroup.com/2016/08/16/credit-report-errors/has-undiscovered-identity-theft-damaged-your-credit-score-_bl26231/) - Has undiscovered identity theft damaged your credit score? Check your credit reports for free at annualcreditreport.com . Adam Singer, Esq. helps consumers with credit report errors to obtain compensation and a corrected report.
- [Math is Racist and How Big Data Is Coming For You (Wait, It's Already Here)](https://creditreportlawgroup.com/2016/09/09/background-check-errors/math-is-racist-and-how-big-data-is-coming-for-you-wait-its-already-here_bl26487/) - "Big data" is real and growing. Know your rights under the Fair Credit Reporting Act and related state statutes. http://money.cnn.com/2016/09/06/technology/weapons-of-math-destruction/index.html
- [NYC Tenant Blacklists: The FCRA and Tenant Background Reports](https://creditreportlawgroup.com/2016/08/17/background-check-errors/nyc-tenant-blacklists-the-fcra-and-tenant-background-reports_bl26234/) - Read today's article about how errors by tenant screening companies can interfere with renting an apartment in New York City and beyond. http://www.nytimes.com/2016/08/17/nyregion/new-york-housing-tenant-blacklist.html?_r=0 The Credit Report Law Group represents rental applicants with background check errors. For more information, visit http://creditreportlawgroup.com/lawyer/Background-Check-Errors_cp16178.htm
- [Returning an Auto Lease: The Right Way](https://creditreportlawgroup.com/2016/09/01/deceptive-acts-and-practices/returning-an-auto-lease-the-right-way_bl26452/) - If your leased car was inspected and you believe that the results are questionable, contact the law office of Adam Singer. Click here to learn more.
- [Should Wells Fargo be forced to pay what it cannot "claw back"?](https://creditreportlawgroup.com/2016/09/20/debt-collection-and-harassment/should-wells-fargo-be-forced-to-pay-what-it-cannot-claw-back_bl26634/) - Should Wells Fargo be forced to pay what it cannot "claw back"? Read more here:http://www.cnbc.com/2016/09/20/its-would-not-be-easy-for-wells-fargo-to-claw-back-banker-pay.html
- [The Perils of Identity Theft](https://creditreportlawgroup.com/2016/08/14/identity-theft/the-perils-of-identity-theft_bl26156/) - How can I protect myself from identity theft?Identity theft is a growing problem that is costing American consumers billions of dollars every year according to the Justice Department’s Bureau of Justice Statistics. In fact, it has been reported that the Federal Trade Commission (FTC) reported over 490,000 identity fraud complaints in the last year alone.
- [What Do Consumer Reports Cover?  More than Just "Credit Reports"](https://creditreportlawgroup.com/2016/09/05/background-check-errors/what-do-consumer-reports-cover-more-than-just-credit-reports_bl26464/) - What Do Credit Reports Cover?A great deal of consumer credit and evaluative information is contained in "consumer reports." These reports -- including but not limited to credit reports -- are covered by the federal Fair Credit Reporting Act (FCRA) as well as by the New York Fair Credit Reporting Act. Both FCRA statutes give consumers
- [Who's responsible when a loved one passes away with outstanding debt?](https://creditreportlawgroup.com/2016/09/01/debt-collection-and-harassment/whos-responsible-when-a-loved-one-passes-away-with-outstanding-debt-_bl26453/) - Credit Report Law Group Who's responsible when a loved one passes away with outstanding debt? Read more here: https://lnkd.in/bTRt4iVThe firm represents consumers in debt collection and debt harassment cases. Read more at http://creditreportlawgroup.com/lawyer/Debt--Harassment--Debt-Defense_cp16182.htm
- [Winner: 2016 WEBAWARD FOR OUTSTANDING ACHIEVEMENT in Web Development](https://creditreportlawgroup.com/2016/09/14/background-check-errors/winner-2016-webaward-for-outstanding-achievement-in-web-development_bl26543/) - WINNING ENTRY: Adam G. SingerWINNER NAME: Zola CreativeAWARD: Legal Standard of Excellencehttp://www.webaward.org/winner.asp?eid=32504#.V9h2v60YmYM
- [4 laws that protect your credit rights](https://creditreportlawgroup.com/2017/02/15/consumer-financial-protection-bureau-cfpb/4-laws-that-protect-your-credit-rights_bl28737/) - In matters pertaining to credit, do you feel like it's you against the world? Sometimes we all feel that way, but in reality, there are rules and regulations to help protect you against credit discrimination, abuse, or improper handling of your information. Consider these four important laws that help protect your credit rights. http://www.ksdk.com/money/4-laws-that-protect-your-credit-rights/387019151
- [A record 107 million Americans have car loans](https://creditreportlawgroup.com/2017/05/19/auto-loans/a-record-107-million-americans-have-car-loans_bl29973/) - Americans went on a massive shopping spree for cars and trucks in recent years. Many paid for their vehicles by taking out a loan. A record 107 million Americans have auto loan debt, according to data released this week by the Federal Reserve Bank of New York. That's about 43% of the entire adult population in the US.Auto
- [AT&T faces thousands of complaints about overcharging for services](https://creditreportlawgroup.com/2017/05/17/deceptive-acts-and-practices/att-faces-thousands-of-complaints-about-overcharging-for-services_bl29929/) - A CBS News investigation has uncovered over 4,000 complaints against AT&T and DirecTV related to deals, promotions and overcharging in the past two years. Customers who try to opt out of their contracts are forced to pay early termination fees and are not allowed to file lawsuits. http://www.cbsnews.com/videos/at-t-faces-thousands-of-complaints-about-overcharging-for-services/
- [Americans can't afford to lose Richard Cordray or the CFPB](https://creditreportlawgroup.com/2017/01/11/consumer-financial-protection-bureau-cfpb/americans-cant-afford-to-lose-richard-cordray-or-the-cfpb_bl28098/) - In its five years as an agency, the CFPB has recovered more than $11 billion for 27 million consumers harmed by illegal practices of financial institutions. The bureau has secured relief in more than 100 cases, directly putting money back in the pockets of American consumers who have been victimized by companies that refuse
- [Beware, mortgage seekers: Random, online ‘credit scores’ are not always reliable](https://creditreportlawgroup.com/2017/04/21/consumer-financial-protection-bureau-cfpb/beware-mortgage-seekers-random-online-credit-scores-are-not-always-reliable_bl29590/) - A new legal settlement from the Consumer Financial Protection Bureau alleges that Experian, one of the big three credit-reporting bureaus, “deceptively marketed credit scores to consumers by misrepresenting” them as “the same” as what their lender would use in determining whether and on what terms to offer them a loan. In fact, said the bureau, the
- [Big auto lender only checked 8% of applicants' incomes](https://creditreportlawgroup.com/2017/05/29/news/big-auto-lender-only-checked-8-of-applicants-incomes_bl30133/) - Alarm bells are ringing because one of the largest subprime auto lenders in the nation -- Santander Consumer USA -- only checked the incomes of 8% of its applicants, according to a new report from Moody's Investors Service. Subprime refers to loans made to people with poor credit. "A lack of income verification...creates more uncertainty
- [By Law Consumers Are Entitled To One Free Annual Credit Report.](https://creditreportlawgroup.com/2017/03/01/background-check-errors/by-law-consumers-are-entitled-to-one-free-annual-credit-report-_bl28934/) - The Federal Fair Credit Reporting Act is law that gives consumers certain rights when companies include your credit report in a decision making process.Denied Credit? Under the FCRA both the credit reporting company, and the company that provided the information, are responsible for correcting inaccurate information on your credit report.”— Patrick MansfieldHOUSTON, UNITED STATES,
- [CFPB:  SUPERVISORY HIGHLIGHTS CONSUMER REPORTING SPECIAL EDITION (ISSUE 14)](https://creditreportlawgroup.com/2017/03/12/background-check-errors/cfpb-supervisory-highlights-consumer-reporting-special-edition-issue-14_bl29058/) - Supervision’s work in the consumer reporting market is ongoing and remains a high priority. Consumer reporting companies and furnishers have an obligation to maintain the accuracy of consumer data, but experience indicates that they lack incentives and under-invest in accuracy. Indeed, these most recent supervisory findings underscore Supervision’s concern about the lack of resources
- [CFPB Fines Experian $3 Million for Deceiving Consumers in Marketing Credit Scores](https://creditreportlawgroup.com/2017/03/23/consumer-financial-protection-bureau-cfpb/cfpb-fines-experian-3-million-for-deceiving-consumers-in-marketing-credit-scores_bl29246/) - The Consumer Financial Protection Bureau (CFPB) today took action against Experian and its subsidiaries for deceiving consumers about the use of credit scores it sold to consumers. Experian claimed the credit scores it marketed and provided to consumers were used by lenders to make credit decisions. In fact, lenders did not use Experian’s scores to
- [CFPB Oversight Uncovers And Corrects Credit Reporting Problems](https://creditreportlawgroup.com/2017/03/09/background-check-errors/cfpb-oversight-uncovers-and-corrects-credit-reporting-problems_bl29057/) - Bureau Report Outlines Accuracy and Other Issues That Bureau Supervision Has Taken Action to AddressWASHINGTON, D.C. — Today the Consumer Financial Protection Bureau (CFPB) released a report detailing the problems in the credit reporting industry that the Bureau has uncovered and corrected through its oversight work. Since launching its supervision of the credit reporting market,
- [Class Actions or No Action](https://creditreportlawgroup.com/2016/10/05/deceptive-acts-and-practices/class-actions-or-no-action_bl26764/) - Class actions are often the only viable mechanism to address widespread consumer harm. Read more in this insightful piece. June 26, 2016 12:00 AMWhat would you do if your client told you her bank had charged her account a $25 fee she didn’t owe? Would you sue the bank?Probably not, given that the cost
- [Corporate corruption runs very deep](https://creditreportlawgroup.com/2016/09/20/credit-report-errors/corporate-corruption-runs-very-deep_bl26633/) - http://www.cnbc.com/2016/09/20/wells-fargo-has-cut-checks-to-congressional-questioners-campaigns.htmlIt's a different spin on the system of "checks and balances."Wells Fargo has cut checks to the congressional campaigns of politicians on both sides of the aisle, including some who are questioning CEO John Stumpf on Capitol Hill Tuesday.The Wells Fargo and Company Employee PAC has made donations to 20 of 22 members of the Senate Committee
- [Credit Report Attorney: The mortgage market is now dominated by non-bank lenders](https://creditreportlawgroup.com/2017/02/27/consumer-financial-protection-bureau-cfpb/credit-report-attorney-the-mortgage-market-is-now-dominated-by-non-bank-lenders_bl28912/) - The entire ecosystem of the mortgage markets is fragile, says Burns, which has a chilling effect on the economy.“The lack of access to credit not only hurts consumers, but it hurts builders and therefore contributes to the lack of affordable housing,” Burns says. “That, in turn, has an impact on the broader economy, because
- [Credit Reports Of Debtors Off-Limits In Other Than Credit Transaction Judgments Says Rodriguez Court](https://creditreportlawgroup.com/2016/11/06/credit-report-errors/credit-reports-of-debtors-off-limits-in-other-than-credit-transaction-judgments-says-rodriguez-court_bl27167/) - When collecting judgments, one of the most powerful tools for creditors is running a credit report on the debtor, since the credit report will show where the debtor has applied for credit or opened bank accounts, etc. These creditor reports are usually a gold mine for creditors, since they can lead to loan applications
- [Credit Reports to Exclude Certain Negative Information, Boosting FICO Scores](https://creditreportlawgroup.com/2017/03/13/credit-report-errors/credit-reports-to-exclude-certain-negative-information-boosting-fico-scores_bl29118/) - Equifax, Experian and TransUnion recently decided to remove tax-lien and civil-judgment data starting around July 1, according to the Consumer Data Industry Association, a trade group that represents them. The firms will do so if those data don’t include a complete list of at least three data points: a person’s name, address and either a
- [Data breaches cause an increase in credit card fraud](https://creditreportlawgroup.com/2017/04/03/credit-report-errors/data-breaches-cause-an-increase-in-credit-card-fraud_bl29347/) - Experian says that the biggest component of credit card fraud trends is the fact that 2016 was a record year for data breaches. There were 1,093 breaches, a 40% increase from 2015, according to the Identity Theft Resource Center. Meanwhile, the Federal Trade Commission recently revealed a jump in consumers who reported that their stolen data
- [Employer Commits Willful Violation of Fair Credit Reporting Act By Including Waiver In Statutorily Mandated Disclosure](https://creditreportlawgroup.com/2017/03/03/background-check-errors/employer-commits-willful-violation-of-fair-credit-reporting-act-by-including-waiver-in-statutorily-mandated-disclosure_bl28935/) - In Syed v. M-I, LLC, the Ninth Circuit held that including waiver of potential claims language in the same document as the statutorily required Fair Credit and Reporting Act disclosure was a violation of FCRA. In sum, the Court ruled that the FCRA rights notice cannot be combined with any other notice or agreement. It must
- [Free Credit Score? Not Necessarily. Credit Bureaus Busted for Deception](https://creditreportlawgroup.com/2017/01/10/consumer-financial-protection-bureau-cfpb/free-credit-score-not-necessarily-credit-bureaus-busted-for-deception_bl28080/) - Consumers should know there is no completely free place to get your literal FICO credit score. Zero.But you are entitled to get one free credit report each year from each of the three bureaus at annualcreditreport.com.Online sites CreditKarma and CreditSesame will give free credit scores based on one of the three bureaus reports that are
- [Held by Maryland’s Highest Court: Midland Funding](https://creditreportlawgroup.com/2017/03/30/deceptive-acts-and-practices/held-by-marylands-highest-court-midland-funding_bl29326/) - Held by Maryland’s Highest Court: Midland Funding waived its right to arbitration when it sued Mr. Cain in small claims court. Because Midland was unlicensed when they sued him, the judgment against him and all other class members is VOID. Following up on their $38 million unjust enrichment verdict in Finch v. LNVN (for the
- [House GOP’s Bill to Eliminate Nearly All Class Actions Would Encourage More Ponzi Schemes & Other Corporate Cheating](https://creditreportlawgroup.com/2017/05/03/class-actions/house-gops-bill-to-eliminate-nearly-all-class-actions-would-encourage-more-ponzi-schemes-other-corporate-cheating_bl29753/) - Congressman Bob Goodlatte, introduced a bill ironically titled “Fairness in Class Action Litigation Act,” which passed through the House Judiciary Committee two weeks ago. Its passage was a remarkable feat of avoiding public notice or debate, with Goodlatte ramming through the legislation in the middle of the night, voting down all amendments along party lines,
- [How You Could Get $500 Per Call For Those Unwanted Messages Six Years Ago](https://creditreportlawgroup.com/2017/04/24/tcpa/how-you-could-get-500-per-call-for-those-unwanted-messages-six-years-ago_bl29593/) - Did you get a telemarketing robocall five or six years ago offering a "free cruise" in return for taking a short survey? If you did, and you can prove it, you can get about $500 for each one of those illegal calls.Florida-based Caribbean Cruise Line and its two co-defendants — Vacation Ownership Marketing Tours and
- [How the law protects you and your credit](https://creditreportlawgroup.com/2017/02/09/background-check-errors/how-the-law-protects-you-and-your-credit_bl28566/) - In matters pertaining to credit, do you feel like it's you against the world? Sometimes we all feel that way, but in reality, there are rules and regulations to help protect you against credit discrimination, abuse, or improper handling of your information. Consider these four important laws that help protect your credit rights. http://theweek.com/articles/677173/how-law-protects-credit Learn more
- [IF THE CFPB IS WEAKENED, WON’T THE CREDIT BUREAUS RUN AMOK (AGAIN?)](https://creditreportlawgroup.com/2017/03/09/background-check-errors/if-the-cfpb-is-weakened-wont-the-credit-bureaus-run-amok-again_bl29062/) - You can also read Director Cordray’s full remarks on the report to the CFPB Consumer Advisory Board last week.“Consumer reporting, also known as credit reporting, is an important market that for many years has not been very transparent and generally is not well understood by consumers. It is also one of the markets where people cannot
- [IRS Scam Center Busted -- Wall Street Journal](https://creditreportlawgroup.com/2016/10/06/credit-report-errors/irs-scam-center-busted-wall-street-journal_bl26776/) - Indian Police Bust IRS ‘Scam Center’Police say scammers posing as IRS officials would dial people in the U.S. and threaten them with jail time if they didn’t pay up. Read More Check your credit reports for free at annualcreditreport.com If you see any suspicious or erroroneous information, contact the Credit Report Law Group. Qualified cases may
- [Job applicants claim inaccurate background check report prevent them from finding a job](https://creditreportlawgroup.com/2017/05/18/background-check-errors/job-applicants-claim-inaccurate-background-check-report-prevent-them-from-finding-a-job_bl29952/) - Some drivers say they have been wrongly barred from jobs due to inaccuracies in their DAC reports, and that HireRight and its rivals don’t do enough to verify claims or correct mistakes.In 2011, HireRight paid $28 million to settle a class-action lawsuit with more than 650,000 plaintiffs who accused it of failing to properly notify
- [Massive ransomware attack hits 99 countries](https://creditreportlawgroup.com/2017/05/16/fraud/massive-ransomware-attack-hits-99-countries_bl29923/) - Have you been a victim of ID theft? Check your credit report for errors at annualcreditreport.com. Tens of thousands of ransomware attacks are targeting organizations around the world on Friday. Cybersecurity firm Avast said it has tracked more than 75,000 attacks in 99 countries. It said the majority of the attacks targeted Russia, Ukraine and Taiwan. The ransomware locks down all the
- [Medical Identity Theft](https://creditreportlawgroup.com/2016/12/22/credit-report-errors/medical-identity-theft_bl27878/) - http://www.cnbc.com/2016/11/08/how-to-protect-yourself-from-medical-identity-theft.htmlIs your most sensitive information protected in the hands of your health care provider? How well is it protected?When identity theft takes a toll on your credit report, know your rights under the Fair Credit Reporting Act. The statute entitles you the "maximum possible accuracy" of the information contained in your credit report. Visit http://creditreportlawgroup.com/lawyer/Credit-Report-Errors_cp16177.htm
- [My Presentation Next Week at the NYC Real Estate Expo](https://creditreportlawgroup.com/2016/09/21/credit-report-errors/my-presentation-next-week-at-the-nyc-real-estate-expo_bl26673/) - Next Thursday, 9/29/16, the Midtown Hilton will be swarming with over four thousand real estate professionals including leaders in the industry. Come here my brief presentation at 4:30 in the Finance Presentations lineup in the Morgan Suite. Topic: Client Credit Report Errors: Consumer’s Rights under the FCRA in the Real Estate Context. http://www.nycnetworkgroup.com/agenda/
- [NY Times: Avoid Willful Blindness: Know Thy Credit Reports as Part of a Retirement Plan](https://creditreportlawgroup.com/2017/02/27/credit-report-errors/ny-times-avoid-willful-blindness-know-thy-credit-reports-as-part-of-a-retirement-plan_bl28906/) - REVIEW YOUR CREDIT REPORT The three credit bureaus — Experian, TransUnion and Equifax — provide one free report annually. Request one at AnnualCreditReport.com, and check it every year to avoid problems when you need access to credit. https://nyti.ms/2mv6B60
- [One Step Forward, One Step Back?](https://creditreportlawgroup.com/2017/05/26/taxjudgment-liens/one-step-forward-one-step-back_bl30116/) - CBCInnovis, a leading provider of credit reporting and data validation services to the mortgage lending industry, announced today its alignment with data and analytics company LexisNexis® Risk Solutions to offer the LexisNexis® RiskView Liens & Judgments Report. This new FCRA product enables lenders to fill the gap left behind when the National Credit Reporting Agencies cease
- [Ruling on CFPB's Unconstitutionality Leaves Agency Intact](https://creditreportlawgroup.com/2016/10/12/consumer-financial-protection-bureau-cfpb/ruling-on-cfpbs-unconstitutionality-leaves-agency-intact_bl26856/) - From the National Consumer Law Center: The DC Circuit's October 11 decision in PHH Corp. that the Consumer Financial Protection Bureau is unconstitutional will have far more limited impact on the agency than one might presume, as explained in this article. https://library.nclc.org/ruling-cfpb%E2%80%99s-unconstitutionality-leaves-agency-intact
- [Services Offer Some Benefits but Are Limited in Preventing Fraud](https://creditreportlawgroup.com/2017/03/31/identity-theft/services-offer-some-benefits-but-are-limited-in-preventing-fraud_bl29334/) - What GAO FoundIdentity theft services offer some benefits but have limitations.Credit monitoring helps detect new-account fraud (that is, the opening of new unauthorized accounts) by alerting users, but it does not prevent such fraud or address existing-account fraud, such as misuse of a stolen credit card number. Consumers have alternatives to credit monitoring, including requesting a
- [Should you give your kids access to your credit card?](https://creditreportlawgroup.com/2017/04/03/credit-report-errors/should-you-give-your-kids-access-to-your-credit-card_bl29360/) - Handing over your credit card to your teenager might not seem like a good idea.But it might actually be a smart financial move. Not only can it help kids learn money management skills, it can also help their credit score.Adding a child as an authorized user on a parent's credit card can give the child
- [Sub prime auto loans -  Auto lenders can steer vulnerable people into crushing debt](https://creditreportlawgroup.com/2017/04/05/credit-report-errors/sub-prime-auto-loans-auto-lenders-can-steer-vulnerable-people-into-crushing-debt-_bl29380/) - Auto Lending: Last Week Tonight with John OliverRead More
- [Supervisory Highlights Consumer Reporting Special Edition Issue 14, Winter 2017](https://creditreportlawgroup.com/2017/04/06/consumer-financial-protection-bureau-cfpb/supervisory-highlights-consumer-reporting-special-edition-issue-14-winter-2017_bl29389/) - The CFPB’s vision is rooted in the obligations and rights set forth in the Fair Credit Reporting Act (FCRA) and Regulation V.1 In the last two years, we identified failings in compliance management systems and violations of law both at CRCs and at furnishers. As a result, we have directed specific improvements in data accuracy
- [U.S. fines TransUnion, Equifax for deceit over credit scores](https://creditreportlawgroup.com/2017/01/04/consumer-financial-protection-bureau-cfpb/u-s-fines-transunion-equifax-for-deceit-over-credit-scores_bl28043/) - A U.S. regulator on Tuesday ordered credit reporting agencies TransUnion and Equifax to pay more than $23.2 million in fines and restitution for deceiving consumers about the usefulness and cost of credit scores they bought.The U.S. Consumer Financial Protection Bureau said the payments also resolve charges that TransUnion and Equifax lured consumers into enrolling in credit services advertised
- [US’ largest student loan company, Navient, cheated millions, suit alleges](https://creditreportlawgroup.com/2017/01/19/consumer-financial-protection-bureau-cfpb/us-largest-student-loan-company-navient-cheated-millions-suit-alleges_bl28244/) - Federal regulators have sued Navient, accusing the biggest U.S. student loan company of making it harder for borrowers to repay loans by giving them bad information, processing payments incorrectly and failing to act on complaints.The Consumer Financial Protection Bureau filed the federal lawsuit against Navient Corp. and two subsidiaries on Wednesday, seeking restitution for
- [WHAT YOU SHOULD KNOW ABOUT MAINTAINING YOUR CREDIT SCORE](https://creditreportlawgroup.com/2016/11/30/background-check-errors/what-you-should-know-about-maintaining-your-credit-score_bl27597/) - Having a strong credit score is vital for your financial well-being. If there is a mistake on your credit report, we can help. Contact us today.
- [Wells Fargo Introduces Cardless ATMs](https://creditreportlawgroup.com/2017/04/05/consumer-financial-protection-bureau-cfpb/wells-fargo-introduces-cardless-atms_bl29384/) - The bank is upgrading all 13,000 of its ATMs to process withdrawals using smartphones rather than debit cards. Chase and Bank of America plan to roll out their own version of cardless ATMs, too.Read More
- [Wells Fargo Killing Sham Account Suits by Using Arbitration](https://creditreportlawgroup.com/2017/01/09/consumer-financial-protection-bureau-cfpb/wells-fargo-killing-sham-account-suits-by-using-arbitration_bl28013/) - In congressional hearing rooms and on national television, Wells Fargo has vowed to make things right for the thousands of customers who were given sham accounts.The bank’s new chief executive, Timothy J. Sloan, in his first week on the job, said his “immediate and highest priority is to restore trust in Wells Fargo.”But in federal and
- [Wells Fargo Shows Its Deepest Remorse](https://creditreportlawgroup.com/2016/11/29/consumer-financial-protection-bureau-cfpb/wells-fargo-shows-its-deepest-remorse_bl27459/) - http://money.cnn.com/2016/11/25/investing/wells-fargo-lawsuit-forced-arbitration/index.html
- [Wells Fargo is "feeling the pinch" after stealing from countless consumers.  Not.](https://creditreportlawgroup.com/2016/10/14/consumer-financial-protection-bureau-cfpb/wells-fargo-is-feeling-the-pinch-after-stealing-from-countless-consumers-not-_bl26899/) - Wells Fargo is "feeling the pinch" after stealing from countless consumers.Wells Fargo's net income in the most recent quarter declined to $5.64 billion from $5.8 billion the same period last year, the bank said Friday.http://www.cnbc.com/2016/10/14/wells-fargo-fake-accounts-banks-consumer-business-took-some-hits-in-september.html
- [Wells Fargo is having a hard time getting Americans to sign up for credit cards these days.](https://creditreportlawgroup.com/2017/03/31/deceptive-acts-and-practices/wells-fargo-is-having-a-hard-time-getting-americans-to-sign-up-for-credit-cards-these-days-_bl29329/) - Credit card applications at Wells Fargo plunged by 55% in February, the sharpest decline since the bank's fake account scandal erupted last September.Another sign of trouble: Wells Fargo (WFC) said Monday that consumers opened 43% fewer checking accounts than a year ago and interactions with branch bankers fell by 21% in the same month.Despite taking a series of steps to restore trust
- [Will Trump Cave to Wall Street Pressure & Fire CFPB Chief in a Nixonian Saturday Night Massacre?](https://creditreportlawgroup.com/2017/01/05/consumer-financial-protection-bureau-cfpb/will-trump-cave-to-wall-street-pressure-fire-cfpb-chief-in-a-nixonian-saturday-night-massacre_bl28012/) - The people who would like to see large banks unleashed, without any meaningful regulation, want Donald Trump to fire Rich Cordray, the terrific director of the Consumer Financial Protection Bureau, or CFPB. Under the law, Trump could only remove Cordray for “inefficiency, neglect of duty, or malfeasance in office.” Banking lobbyists, who are leading the
- [Wronged Wells Fargo customers are finally getting a bit of payback](https://creditreportlawgroup.com/2017/05/08/class-actions/wronged-wells-fargo-customers-are-finally-getting-a-bit-of-payback_bl29796/) - Wells Fargo has reached a $110 million preliminary settlement to compensate all customers who claim the scandal-ridden bank opened fake accounts and other products in their name.It's the first class action settlement by Wells Fargo since authorities revealed in September that the bank opened up to 2 million fake accounts to meet unrealistic sales targets
- [Your Right to Know - Your Consumer Credit File Under the Fair Credit Reporting Act](https://creditreportlawgroup.com/2016/11/02/background-check-errors/your-right-to-know-your-consumer-credit-file-under-the-fair-credit-reporting-act_bl27136/) - Consumer reporting agencies (also known as credit reporting agencies or CRAs) compile consumer data primarily for use by "users." Users are entities that access a consumer's information to gain insight into the consumer's past behavior including prior use of credit (payment history and type of credit accessed), criminal history for a job application, or
- [Americans are suddenly defaulting on their credit cards](https://creditreportlawgroup.com/2017/06/13/credit-cards/americans-are-suddenly-defaulting-on-their-credit-cards_bl30302/) - The American economy has looked pretty robust of late — unemployment just hit a 16-year low, and stocks recently reached an all-time high. This makes it all the more curious that Americans have suddenly stopped paying off their credit-card bills at a rapid rate.In the past two fiscal quarters, banks reported a steep rise in
- [Burger Chain Faces FCRA Class Action Lawsuit Over Background Checks](https://creditreportlawgroup.com/2017/06/12/class-actions/burger-chain-faces-fcra-class-action-lawsuit-over-background-checks_bl30292/) - A potential class action lawsuit brought by a former employee against Five Guys claims the popular burger chain violated the federal Fair Credit Reporting Act (FCRA) and California labor law by conducting background checks on employees without properly notifying them, according to a report from BigClassAction.com.BigClassAction.com reports that the plaintiff, Jeremy R. Lusk, claims Five
- [CFPB Report Details Problems, New Requirements Consumer Reporting Companies Must Implement](https://creditreportlawgroup.com/2017/06/04/consumer-financial-protection-bureau-cfpb/cfpb-report-details-problems-new-requirements-consumer-reporting-companies-must-implement_bl30180/) - Some of the problems that the CFPB documented in its report include:• No programs to test the accuracy of credit reports that the CRCs produced, prompting Director Cordray to remark "we were surprised to find that [the CRCs’] quality control systems were either rudimentary or virtually non-existent." •Deficiencies regarding the CRCs’ relationship with furnishers and information
- [CRCs Might Now Ignore Certain Kinds of Data in Calculating Your Credit Score](https://creditreportlawgroup.com/2017/05/30/credit-scores/crcs-might-now-ignore-certain-kinds-of-data-in-calculating-your-credit-score_bl30139/) - As the CRCs roll out improvements under NCAP [National Consumer Assistance Plan], tax lien and public records data that historically was used to calculate consumers’ credit scores likely will be eliminated entirely or in part.With those changes in mind, VantageScore 4.0:- Distinguishes medical collections from other types of collection accounts, ignores medical collections less than six months
- [Consumers misidentified as terrorists win $60 million verdict](https://creditreportlawgroup.com/2017/06/26/class-actions/consumers-misidentified-as-terrorists-win-60-million-verdict_bl30685/) - A jury in California last week awarded $60 million in statutory and punitive damages to more than 8,000 consumers who sued TransUnion, one of the three credit reporting agencies.The consumers filed the class action, claiming that TransUnion violated the Fair Credit Reporting Act (FCRA) when it misidentified them in their credit reports as terrorists and drug traffickers.
- [House passes sweeping bill to strip back financial rules](https://creditreportlawgroup.com/2017/06/09/consumer-financial-protection-bureau-cfpb/house-passes-sweeping-bill-to-strip-back-financial-rules_bl30244/) - The House of Representatives on Thursday passed sweeping legislation to strip and replace much of the financial regulations passed under former President Barack Obama after the 2008 financial crisis. The House passed the Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act, 233-186, along party lines. The bill is not expected to
- [House to vote on killing Dodd-Frank today](https://creditreportlawgroup.com/2017/06/08/consumer-financial-protection-bureau-cfpb/house-to-vote-on-killing-dodd-frank-today_bl30230/) - House lawmakers are poised to pass the "crown jewel" of the GOP-led regulatory reform effort on Thursday, effectively gutting the Dodd-Frank financial regulations that were put in place during the Obama administration.Called the Financial Choice Act, the Republican bill seeks to undo significant parts of the 2010 financial reform law.Crafted by House Financial Services Chairman
- [Robocalls Hijacking Your Voicemail Is ‘Invasive and Abusive,’ Say Lawmakers](https://creditreportlawgroup.com/2017/06/16/tcpa/robocalls-hijacking-your-voicemail-is-invasive-and-abusive-say-lawmakers_bl30353/) - There is a new type of automated call sneaking up on American consumers: ringless voicemails, the quieter cousin of what some people call the “annoying robocall.” The messages go straight to voicemail, without ringing your phone."I've received at least a hundred of these voicemails," said Sue Merritt, president of Lenox Fit in Lenox, Massachusetts. And
- [Sloppy Credit Bureaus, Sketchy Credit Doctors Slammed by Trifecta Of CFPB, State AGs, and Consumer Lawyers (1/4)](https://creditreportlawgroup.com/2017/06/29/class-actions/sloppy-credit-bureaus-sketchy-credit-doctors-slammed-by-trifecta-of-cfpb-state-ags-and-consumer-lawyers-14_bl30716/) - This is part one of a four-part series that looks at how inaccurate credit reporting is being fought by a attorneys, the CFPB, and state AGs. You may read Part 1 here and Part 2 here.In the news this month are several successful efforts to improve credit report accuracy, compensate the victims of credit bureau
- [Sloppy Credit Bureaus, Sketchy Credit Doctors Slammed by Trifecta Of CFPB, State AGs, and Consumer Lawyers (1/4)](https://creditreportlawgroup.com/2017/06/29/class-actions/sloppy-credit-bureaus-sketchy-credit-doctors-slammed-by-trifecta-of-cfpb-state-ags-and-consumer-lawyers_bl30716/) - This is part one of a four-part series that looks at how inaccurate credit reporting is being fought by a attorneys, the CFPB, and state AGs. You may read Part 1 here and Part 2 here.In the news this month are several successful efforts to improve credit report accuracy, compensate the victims of credit bureau
- [Sloppy Credit Bureaus, Sketchy Credit Doctors Slammed by Trifecta of CFPB, State AGs, and Consumer Lawyers (2/4)](https://creditreportlawgroup.com/2017/06/30/class-actions/sloppy-credit-bureaus-sketchy-credit-doctors-slammed-by-trifecta-of-cfpb-state-ags-and-consumer-lawyers-24_bl30722/) - This is part two of a four-part series that looks at how inaccurate credit reporting is being fought by a attorneys, the CFPB, and state AGs. You may read Part 1 here.On July 1, thanks to the efforts of a bi-partisan, multi-state enforcement effort by 31 state Attorneys-General, 12 million consumers will see their credit
- [Sloppy Credit Bureaus, Sketchy Credit Doctors Slammed by Trifecta of CFPB, State AGs, and Consumer Lawyers (3/4)](https://creditreportlawgroup.com/2017/07/03/class-actions/sloppy-credit-bureaus-sketchy-credit-doctors-slammed-by-trifecta-of-cfpb-state-ags-and-consumer-lawyers-34_bl30743/) - This is part three of a four-part series that looks at how inaccurate credit reporting is being fought by a attorneys, the CFPB, and state AGs. You may read Part 1 here and Part 2 here.Class Action Lawsuit Results in Record Penalty Against Transunion: Last week, a jury found the Big 3 credit bureau Transunion
- [Sloppy Credit Bureaus, Sketchy Credit Doctors Slammed by Trifecta of CFPB, State AGs, and Consumer Lawyers (2/4)](https://creditreportlawgroup.com/2017/06/30/class-actions/sloppy-credit-bureaus-sketchy-credit-doctors-slammed-by-trifecta-of-cfpb-state-ags-and-consumer-lawyers_bl30722/) - This is part two of a four-part series that looks at how inaccurate credit reporting is being fought by a attorneys, the CFPB, and state AGs. You may read Part 1 here.On July 1, thanks to the efforts of a bi-partisan, multi-state enforcement effort by 31 state Attorneys-General, 12 million consumers will see their credit
- [Your Credit Score May Soon Look Better](https://creditreportlawgroup.com/2017/06/28/credit-scores/your-credit-score-may-soon-look-better_bl30704/) - About 12 million people will get a lift in their credit scores next month as the national credit reporting agencies wipe from their records two major sources of negative information about borrowers: tax liens and civil judgments.The change stems from a lengthy crusade by consumer advocates and government officials to force the credit bureaus to
- [Your consumer protections, on the brink of destruction in Congress](https://creditreportlawgroup.com/2017/06/09/consumer-financial-protection-bureau-cfpb/your-consumer-protections-on-the-brink-of-destruction-in-congress_bl30246/) - When Congress sought to make sure that abuses by the financial industry that put our economy on the brink of collapse would never be repeated, it created the Consumer Financial Protection Bureau. Since its founding in 2011, the CFPB has delivered resoundingly, providing $12 billion in relief to 29 million consumers wronged by banks and
- [Sloppy Credit Bureaus, Sketchy Credit Doctors Slammed by Trifecta of CFPB, State AGs, and Consumer Lawyers (4/4)](https://creditreportlawgroup.com/2017/07/05/consumer-financial-protection-bureau-cfpb/sloppy-credit-bureaus-sketchy-credit-doctors-slammed-by-trifecta-of-cfpb-state-ags-and-consumer-lawyers-4-4/) - This is part four of a four-part series that looks at how inaccurate credit reporting is being fought by attorneys, the CFPB, and state AGs. CFPB Nails Credit Repair Doctors: The credit bureaus not only make mistakes, they fail to conduct adequate reinvestigations of disputes or remove inaccurate information. Instead of complying with these FCRA
- [143 Million Reasons Congress Shouldn’t Gut the Fair Credit Reporting Act](https://creditreportlawgroup.com/2017/09/13/consumer-financial-protection-bureau-cfpb/143-million-reasons-congress-shouldnt-gut-the-fair-credit-reporting-act_bl31660/) - Congressman Barry Loudermilk’s proposal to weaken the Fair Credit Reporting Act (FCRA) entered the national discourse on the heels of Equifax’s potentially catastrophic data breach. Industry watchdogs highlight the sharp contrast between the need for credit-industry regulation (as evidenced by the Equifax breach) and the coziness with which some Congress members comport themselves to the
- [3 Reasons Breach Victims Might not Want Equifax Credit Monitoring](https://creditreportlawgroup.com/2017/09/11/cybercrime/3-reasons-breach-victims-might-not-want-equifax-credit-monitoring_bl31619/) - In response to the July data-breach, Equifax has offered their Trusted ID Premier service in exchange for consumers' right to sue Equifax. Industry watchdogs suggest cause for concern regarding Equifax’s terms. The Federal Trade Commission (FTC) warns that consumers’ vital data may have been stolen within minutes of the breach, and Matt Schulz, senior industry
- [As Paperwork Goes Missing, Private Student Loan Debts May Be Wiped Away](https://creditreportlawgroup.com/2017/07/21/credit-scores/as-paperwork-goes-missing-private-student-loan-debts-may-be-wiped-away_bl31101/) - Tens of thousands of people who took out private loans to pay for college but have not been able to keep up payments may get their debts wiped away because critical paperwork is missing.The troubled loans, which total at least $5 billion, are at the center of a protracted legal dispute between the student borrowers
- [CFPB Rule Fight Forces Senators to Choose: Military Families or Big Banks](https://creditreportlawgroup.com/2017/09/12/consumer-financial-protection-bureau-cfpb/cfpb-rule-fight-forces-senators-to-choose-military-families-or-big-banks_bl31651/) - Earlier this year, the Consumer Financial Protection Bureau (CFPB) promulgated a long-awaited rule prohibiting banks and payday lenders from using forced arbitration clauses in their contracts. The rule was brought to a halt, however, by the House of Representatives--under the seldom used Congressional Review Act, an authority which enables Congress to “veto” executive-agency actions--and now
- [Debt Collection Was the Most Complained About Financial Service Among Older Consumers for March](https://creditreportlawgroup.com/2017/07/06/consumer-financial-protection-bureau-cfpb/debt-collection-was-the-most-complained-about-financial-service-among-older-consumers-for-march_bl30758/) - For March 2017, debt collection was the most-complained-about financial product or service by consumers identifying as over the age of 62. Of the 2,169 older consumer complaints handled in March, there were 496 complaints about debt collection. The second most-complained-about consumer product was mortgages, which accounted for 486 complaints. Credit reporting was the third most-complained-about
- [Despite Equifax hack, GOP lawmakers want to deregulate credit agencies](https://creditreportlawgroup.com/2017/09/24/consumer-financial-protection-bureau-cfpb/despite-equifax-hack-gop-lawmakers-want-to-deregulate-credit-agencies_bl31802/) - Clear partisan lines emerge in response to the Equifax breach. Last week, Democrats introduced the Freedom from Equifax Exploitation Act, barring credit bureaus the ability to charge a fee for freezing consumer credit. House Republicans, on the other hand, propose to undermine credit-industry regulations with new legislation. The Credit Services Protection Act, introduced by Ed
- [Equifax Security Breach: Agency Websites Melt Down Under Surge](https://creditreportlawgroup.com/2017/09/15/identity-theft/equifax-security-breach-agency-websites-melt-down-under-surge_bl31670/) - In response to Equifax’s July data breach, droves of Americans rush to freeze their credit, overwhelming the “Big Three” credit bureaus’ resources.See NBC News video here
- [Even more Explosions Possible at Texas Flooded Plant](https://creditreportlawgroup.com/2017/09/01/news/even-more-explosions-possible-at-texas-flooded-plant_bl31529/) - Neighborhoods within a mile and a half of the Crosby, Texas facility that exploded on Thursday have been urged to evacuate as officials warn that more explosions are possible. The chemical plant exploded early Thursday morning. Authorities are concerned about another explosion because chemicals have not been stored at proper temperatures since power went out
- [Federal Court Certifies FCRA Class in Dispute Over Content of Disclosures](https://creditreportlawgroup.com/2017/07/17/credit-report-errors/federal-court-certifies-fcra-class-in-dispute-over-content-of-disclosures_bl31057/) - In Graham v. Pyramid Healthcare Solutions, Inc., 2017 WL 2799928 (M.D. Fl. June 28, 2017), the plaintiff alleged that the employer utilized an FCRA disclosure that contained extraneous information in violation of the law’s standalone disclosure requirement. The employer’s disclosure improperly included: (i) the logo of the consumer reporting agency; (ii) blank lines for “Organization
- [Ford to look beyond credit scores in sales push](https://creditreportlawgroup.com/2017/08/29/auto-loans/ford-to-look-beyond-credit-scores-in-sales-push_bl31501/) - A major auto lender has decided to change its approval process to look beyond credit scores in an effort to pump up sales. The move by Ford Motor's financing unit is expected to unfold in coming years, even as concerns mount about rising auto-loan losses in the industry. Ford Motor Credit is expected to announce
- [Georgia Congressman Must Withdraw His EQUIFAX-Friendly Bill](https://creditreportlawgroup.com/2017/09/11/fcra/georgia-congressman-must-withdraw-his-equifax-friendly-bill_bl31620/) - Industry watch groups are calling on Rep. Barry Loudermilk (R-Ga.) to withdraw proposed legislation that would limit “remedies for consumers who are victims of credit reporting abuses.” A congressional subcommittee met to consider the legislation last Friday as news broke of Equifax’s massive data breach. Rep. Loudermilk’s legislation could drastically limit consumers’ recourse against the
- [Giant Equifax data breach: 143 million people could be affected](https://creditreportlawgroup.com/2017/09/08/credit-cards/giant-equifax-data-breach-143-million-people-could-be-affected_bl31608/) - Equifax, one of the “Big Three” credit reporting companies, suffered a major data breach in late July 2017. The breach (made public today) has compromised the accounts of roughly 143 million Americans. In addition to consumers’ credit scores, “loans, loan payments and credit cards, as well as information on everything from child support payments, credit
- [House Bill Would Let Companies Off the Hook for Known & Devastating Mistakes](https://creditreportlawgroup.com/2017/09/12/consumer-financial-protection-bureau-cfpb/house-bill-would-let-companies-off-the-hook-for-known-devastating-mistakes-_bl31654/) - For nearly half a century, the Fair Credit Reporting Act (FCRA) has empowered American consumers, serving as a deterrent against credit reporting and background check errors—nowadays an all-too-familiar feature of the credit reporting industry. The possibility of punitive damages (available in some matters) supplies the FCRA with a great deal of its bite. Georgia Congressman,
- [It just got easier for you to sue your bank and credit card company.](https://creditreportlawgroup.com/2017/07/11/class-actions/it-just-got-easier-for-you-to-sue-your-bank-and-credit-card-company-_bl30871/) - The Consumer Financial Protection Bureau issued a new rule Monday that prevents companies from using arbitration clauses to stop consumers from bringing class action lawsuits. The clauses force people to "go it alone or give up," said CFPB Director Richard Cordray. "Our new rule will stop companies from sidestepping the courts and ensure that people who are
- [Machine-learning promises to shake up large swathes of finance](https://creditreportlawgroup.com/2017/09/18/news/machine-learning-promises-to-shake-up-large-swathes-of-finance_bl31691/) - As AI advances, the financial industry is propelled into an orbit of seemingly boundless efficiency. What used to take armies of well-compensated attorneys at JP Morgan Chase, and other financial corporations, 100,000s of hours to perform, can now be accomplished by computers in a matter of seconds. Though some remain skeptical, “machine learning” seems poised
- [Notice of Sabre Data Security Incident Impacting Guest Payment Card Information](https://creditreportlawgroup.com/2017/07/11/credit-cards/notice-of-sabre-data-security-incident-impacting-guest-payment-card-information_bl30868/) - Four Seasons Hotels and Resorts was recently informed of a data security incident at Sabre, a third-party hotel reservations provider to thousands of hotel properties, including those managed by Four Seasons. The incident involved unauthorized access to certain guest information associated with a subset of hotel reservations processed through Sabre's SynXis Central Reservations System (CRS)
- [State laws are becoming more restrictive, adding an extra layer of protection for consumers](https://creditreportlawgroup.com/2017/08/04/credit-scores/state-laws-are-becoming-more-restrictive-adding-an-extra-layer-of-protection-for-consumers_bl31209/) - Criminal background checks are commonplace Applications for certain employment positions. But what about credit checks? Is a job applicant's credit history relevant for employment? May an employer lawfully check a job applicant's credit? State and local laws are becoming more restrictive, adding an extra layer of protection for consumers over and above the federal Fair
- [The Equifax Data Breach: What to Do](https://creditreportlawgroup.com/2017/09/08/fcra/the-equifax-data-breach-what-to-do_bl31610/) - Responding to news of Equifax’s huge data breach, the Federal Trade Commission (FTC) offers guidelines for consumers to protect themselves. The FTC suggests that consumers take proactive measures, such as checking their credit reports (available to consumers at annualcreditreport.com), and monitoring “existing credit card and bank accounts closely for charges you don’t recognize.” Read FTC article here
- [TransUnion to pay $60 million to consumers flagged as criminals](https://creditreportlawgroup.com/2017/07/06/background-check-errors/transunion-to-pay-60-million-to-consumers-flagged-as-criminals_bl30760/) - TransUnion will pay $60 million to consumers it mistakenly labeled as possible terrorists or drug dealers, under an order issued Tuesday by a federal jury. The decision stems from a 2012 class-action lawsuit that alleged the credit bureau failed to notify consumers who were reported to lenders as being included on a “blocked persons” list kept
- [Trump and Cordray: Five Scenarios for the CFPB](https://creditreportlawgroup.com/2017/07/26/consumer-financial-protection-bureau-cfpb/trump-and-cordray-five-scenarios-for-the-cfpb_bl31167/) - Here are five potential scenarios on what might happen to CFPB director Richard Cordray once the new president arrives.One: Bigger Fish PrevailCompeting priorities may push back any big decisions about the CFPB or its director, even if the new administration ultimately plans an all-out assault on the agency, several sources predict.Two: Congress Moots ControversyCongress could
- [Wells Fargo customers who had fake accounts created in their names are a step closer to some payback.](https://creditreportlawgroup.com/2017/07/11/deceptive-acts-and-practices/wells-fargo-customers-who-had-fake-accounts-created-in-their-names-are-a-step-closer-to-some-payback-_bl30869/) - A federal judge granted preliminary approval over the weekend for Wells Fargo's $142 million national class action settlement. The court ruled that the settlement, which covers fake accounts back to 2002, "fair, reasonable and adequate." Victims may still have to wait before they get paid. The bank and lawyers for the plaintiffs plan to reach out to customers
- [Your Credit Score Could Make or Break Your Love Life](https://creditreportlawgroup.com/2017/09/18/credit-scores/your-credit-score-could-make-or-break-your-love-life_bl31689/) - While it may not surprise you that having good credit contributes to one’s general attractiveness, recent data suggests that relationship seekers prioritize high credit scores to a surprising degree over more traditional markers of attractiveness, such as having a nice car or holding a high-status career. Match.com’s Chief Scientific Advisor, Helen Fisher, suggests that we
- [Equifax isn’t going to like new Senate bill](https://creditreportlawgroup.com/2018/01/15/cybercrime/equifax-isnt-going-to-like-new-senate-bill_bl32903/) - Two senators unveil a bill to impose tighter regulations and hefty penalties for future data breaches. https://nypost.com/2018/01/10/equifax-isnt-going-to-like-new-senate-bill/
- [7 Ways to Protect Yourself From Online Identity Theft](https://creditreportlawgroup.com/2017/12/05/credit-cards/7-ways-to-protect-yourself-from-online-identity-theft_bl32508/) - Like it or not, the holidays are upon us. It's important to make sure your year-end shopping spree isn't spoiled by cybersecurity threats, hackers or scammers. Contact us immediately if you discover any unfamiliar entries on your credit report and suspect your identity has been stolen. We represent consumers on contingency to obtain a permanently corrected report and,
- [Breaches at Lord & Taylor, Saks, & MyFitnessPal](https://creditreportlawgroup.com/2018/04/11/credit-report-errors/breaches-at-lord-taylor-saks-myfitnesspal_bl33778/) - Was your information exposed in the latest data breaches at Lord & Taylor, Saks Fifth Avenue, Saks OFF 5TH, or Under Armour’s MyFitnessPal? If so, here are some steps to take. https://www.consumer.ftc.gov/blog/2018/04/breaches-lord-taylor-saks-myfitnesspal?utm_source=govdelivery
- [CFPB Fines Xerox for Furnishing Incorrect Information to Credit Reporting Agencies](https://creditreportlawgroup.com/2017/11/30/consumer-financial-protection-bureau-cfpb/cfpb-fines-xerox-for-furnishing-incorrect-information-to-credit-reporting-agencies_bl32481/) - https://www.acainternational.org/news/cfpb-fines-xerox-for-furnishing-incorrect-information-to-credit-reporting-agencies Contact us immediately if you discover any unfamiliar entries on your credit report. We represent consumers on contingency to obtain a permanently corrected report and, in many cases, compensation for violations of the federal Fair Credit Reporting Act.
- [China's behavior monitoring system bars some from travel, purchasing property](https://creditreportlawgroup.com/2018/04/26/news/chinas-behavior-monitoring-system-bars-some-from-travel-purchasing-property_bl33938/) - You have heard of credit scores. Heard of China's social credit scores? Would this ever be allowed in the United States? https://www.cbsnews.com/news/china-social-credit-system-surveillance-cameras/
- [Consumer Finance Protection Bureau Probes Equifax](https://creditreportlawgroup.com/2018/02/06/consumer-financial-protection-bureau-cfpb/consumer-finance-protection-bureau-probes-equifax_bl33163/) - The Consumer Financial Protection Bureau has put a full-scale probe of how Equifax (NYSE:EFX) failed to protect the personal data of some 143M Americans on ice, sources told Reuters. The effort has sputtered since Mick Mulvaney was named director in November, raising questions about how he will police a data-warehousing industry that has enormous sway
- [Consumer Protection Bureau structure upheld in blow to Trump's deregulation efforts](https://creditreportlawgroup.com/2018/02/12/consumer-financial-protection-bureau-cfpb/consumer-protection-bureau-structure-upheld-in-blow-to-trumps-deregulation-efforts_bl33234/) - https://www.cnbc.com/2018/01/31/consumer-protection-bureau-structure-upheld-in-blow-to-trumps-deregulation-efforts.html
- [Consumer Protection in the States: A 50-State Evaluation of Unfair and Deceptive Practices Laws](https://creditreportlawgroup.com/2018/03/14/news/consumer-protection-in-the-states-a-50-state-evaluation-of-unfair-and-deceptive-practices-laws_bl33513/) - The National Consumer Law Center has issued a review of the Unfair and Deceptive Practices Laws of the 50 states and the District of Columbia. Learn more.
- [Consumers Should Have More Control Over Credit Reports. We Agree.](https://creditreportlawgroup.com/2018/03/08/fcra/consumers-should-have-more-control-over-credit-reports-we-agree-_bl33425/) - Last month, Senator Jack Reed (D) of Rhode Island proposed legislation which would give consumers discretion over who sees their all-important credit information. The Control Your Personal Credit Information Act would require credit bureaus to request permission from consumers in order to share their highly personal credit-information with third-parties. Senator Reed states: “under existing law,
- [Credit Bureaus Let Wrongdoers Run Amok, Disrupt Mortgage-Seekers](https://creditreportlawgroup.com/2018/03/08/fraud/credit-bureaus-let-wrongdoers-run-amok-disrupt-mortgage-seekers_bl33431/) - Credit bureaus have reportedly returned to the practice of “trigger listing,” used extensively in the lead up to the 2008 housing market-crisis. Consumer advocate, Ed Mierzwinski, describes the process as follows: When a consumer applies for a loan to purchase property, the credit bureaus alert potential lenders to the transaction; those competitors, which Mierzwinski notes
- [Cuomo Proposes Stricter Regulations for Credit Reporting Agencies](https://creditreportlawgroup.com/2017/09/24/credit-report-errors/cuomo-proposes-stricter-regulations-for-credit-reporting-agencies_bl31805/) - NY Governor, Andrew Cuomo, announces new regulations for credit reporting agencies. Referring to July’s Equifax breach as “a wake-up call,” Cuomo said that NY will hold the credit industry to the same scrutiny as banks and other financial industries who do business in the state. Credit reporting agencies will be required to register with the
- [Data Breaches](https://creditreportlawgroup.com/2017/11/16/credit-report-errors/data-breaches_bl32343/) - Data breaches are a common source of identity theft and can devastate your credit score. Check your credit reports for free at annualcreditreport.com Contact us immediately if you discover any unfamiliar entries on your credit report. We represent consumers on contingency to obtain a permanently corrected report and, in many cases, compensation for violations of the federal Fair
- [Elizabeth Warren to Wells Fargo CEO: 'You should be fired'](https://creditreportlawgroup.com/2017/10/04/fraud/elizabeth-warren-to-wells-fargo-ceo-you-should-be-fired_bl31933/) - It was déjà vu for Wells Fargo, this week, as senators expressed outrage at the bank’s culture of shady practices. Last year, senators berated (former-CEO) John Stumpf over the millions of fake accounts created in customers’ names. Stumpf’s replacement, Tim Sloan, took the brunt of congressional ire on Tuesday, with Senator Brian Schatz of Hawaii
- [Equifax CEO Richard Smith is out after stunning data breach](https://creditreportlawgroup.com/2017/09/26/identity-theft/equifax-ceo-richard-smith-is-out-after-stunning-data-breach_bl31827/) - Richard Smith, the beleaguered CEO of Equifax, has stepped down from his post. Apart from referring to Smith's exit as a “retirement,” Equifax makes no effort to conceal the reasons for his departure. Since Equifax’s data breach was made public earlier this month, “[a]s much as one-third of Equifax's market value [has] vanished;” the corporation
- [Equifax Says It Will Hand Over New York Data Breach Info](https://creditreportlawgroup.com/2018/01/10/identity-theft/equifax-says-it-will-hand-over-new-york-data-breach-info_bl32876/) - A spokeswoman for Atlanta-based credit reporting agency Equifax said the company would comply with a demand by Secretary of State Rossana Rosado for information on a July data breach that was made public in September.https://www.law.com/newyorklawjournal/sites/newyorklawjournal/2018/01/05/equifax-says-it-will-hand-over-ny-data-breach-info/?slreturn=20180010093458 Our firm helps identity theft victims get their lives back on track. Call us today.
- [Equifax interim CEO pens apology after data breach](https://creditreportlawgroup.com/2017/10/04/fcra/equifax-interim-ceo-pens-apology-after-data-breach_bl31934/) - Dominick Tavella, of Diversified Financial Consultants, suggests that consumers sign up for credit alerts in order to protect against unwarranted issuances of credit, resulting from the Equifax breach. Tavella cautions consumers about Equifax’s offer to provide credit monitoring free for a year, as the information gained through the data breach may not be used (or
- [Equifax says 2.5M additional individuals potentially victimized during data breach](https://creditreportlawgroup.com/2017/10/04/identity-theft/equifax-says-2-5m-additional-individuals-potentially-victimized-during-data-breach_bl31935/) - In the wake of Equifax’s breach, the credit agency hired Mandiant to conduct a review. Mandiant’s review concluded that an additional 2.5 million consumers were subject to the breach, bringing the total to 145.5 million. “Equifax said it will mail notices to all potentially impacted individuals that have been identified since the Sept. 7 announcement.”Read
- [Fin7 Syndicate Hacks Saks Fifth Avenue and Lord & Taylor Stores](https://creditreportlawgroup.com/2018/04/03/credit-cards/fin7-syndicate-hacks-saks-fifth-avenue-and-lord-taylor-stores_bl33707/) - A "preliminary analysis" found credit card data was obtained for sales dating back to May 2017, according to the post. The breach likely impacted more than 130 Saks and Lord & Taylor locations across the country, but the "majority of stolen credit cards were obtained from New York and New Jersey locations."
- [How much is your personal information selling for?](https://creditreportlawgroup.com/2018/03/27/cybercrime/how-much-is-your-personal-information-selling-for-_bl33601/) - http://www.foxnews.com/tech/2018/02/02/heres-how-much-your-personal-information-is-selling-for-on-dark-web.htmlHere's a first step: visit annualcreditreport.com for free credit reports. If you notice accounts that do not belong to you, contact us. We may be able to help obtain a permanent correction and compensation.
- [How to Avoid a Renovation Nightmare](https://creditreportlawgroup.com/2018/04/04/deceptive-acts-and-practices/how-to-avoid-a-renovation-nightmare_bl33724/) - “Contractor licensing and home remodeling is kind of like the Wild West,” said Adam G. Singer, an attorney [focusing] in consumer protection with offices in Manhattan, Rockland and Westchester counties. https://www.nytimes.com/2018/03/30/realestate/how-to-avoid-a-renovation-nightmare.html
- [Is Trump breaking the law?](https://creditreportlawgroup.com/2017/11/27/consumer-financial-protection-bureau-cfpb/is-trump-breaking-the-law-_bl32448/) - http://www.cnn.com/2017/11/25/politics/frank-cfpb-appointment/index.html
- [Liens and Judgments Data: Not Gone for Good](https://creditreportlawgroup.com/2017/09/27/credit-report-errors/liens-and-judgments-data-not-gone-for-good_bl31854/) - Until recently, mortgage lenders could access the lien and judgment history of potential borrowers through a borrower’s credit report. The national credit reporting agencies (NCRAs), TransUnion, Equifax, and Experian, did such a poor job of keeping reliable records on liens and judgments—Social Security numbers were missing from roughly 50% of tax lien records and 96%
- [Meet the man who used to steal your identity](https://creditreportlawgroup.com/2017/12/01/identity-theft/meet-the-man-who-used-to-steal-your-identity_bl32488/) - Brett Johnson made his living profiting from stolen identities. Like yours. http://money.cnn.com/2017/11/28/pf/cybercrime-identity-thief/index.htmlContact us immediately if you discover any unfamiliar entries on your credit report and suspect your identity has been stolen. We represent consumers on contingency to obtain a permanently corrected report and, in many cases, compensation for violations of the federal Fair Credit
- [Mexican Man Assumes American's Identity for 37 Years, Steals $361,000 in Government Benefits](https://creditreportlawgroup.com/2018/03/05/identity-theft/mexican-man-assumes-americans-identity-for-37-years-steals-361000-in-government-benefits_bl33415/) - Federal prosecutors say that Mexican citizen, Andres Avelino Anduaga, extracted in excess of $350,000 in federal, state and local benefits over nearly four decades, while residing both within and outside the United States. The investigation, which began in 2014, has resulted in a settlement between Anduaga and the federal government. Read Full Story Here
- [Millions of errors found within consumer credit reports](https://creditreportlawgroup.com/2017/12/07/credit-report-errors/millions-of-errors-found-within-consumer-credit-reports_bl32569/) - According to a report released by U.S. Sen. Bill Nelson (D-FL) Friday, consumer credit reports are riddled with tens of millions of errors annually. https://financialregnews.com/millions-errors-found-within-consumer-credit-reports-according-sen-nelson/Visit annualcreditreport.com for free credit reports. Contact us immediately if you discover any unfamiliar entries on your credit report and suspect your identity has been stolen. We represent consumers on contingency to obtain a permanently
- [Ninth Circuit Court of Appeals: FCRA bars background check liability waiver](https://creditreportlawgroup.com/2017/12/14/background-check-errors/ninth-circuit-court-of-appeals-fcra-bars-background-check-liability-waiver_bl32640/) - If you have been harmed by errors in your employment or criminal background check, The Credit Report Law Group is here to help. Visit our website today.
- [Richard Cordray to step down as head of Consumer Financial Protection Bureau](https://creditreportlawgroup.com/2017/11/17/consumer-financial-protection-bureau-cfpb/richard-cordray-to-step-down-as-head-of-consumer-financial-protection-bureau_bl32380/) - A one-two punch. First the Congressional override of the CFPB's rule limiting mandatory arbitration clauses in certain consumer financial agreements. And now the loss of Cordray who has been an important advocate for consumer financial rights. http://money.cnn.com/2017/11/15/news/richard-cordray-cfpb-stepping-down/index.html
- [Statement by the Acting Director of FTC’s Bureau of Consumer Protection Regarding Reported Concerns about Facebook Privacy Practices S](https://creditreportlawgroup.com/2018/03/28/cybercrime/statement-by-the-acting-director-of-ftcs-bureau-of-consumer-protection-regarding-reported-concerns-about-facebook-privacy-practices-s_bl33613/) - https://www.ftc.gov/news-events/press-releases/2018/03/statement-acting-director-ftcs-bureau-consumer-protection?utm_source=govdelivery
- [Synchrony Bank accused of accessing individual's credit report in attempt to collect discharged debt](https://creditreportlawgroup.com/2018/04/27/debt-collection-and-harassment/synchrony-bank-accused-of-accessing-individuals-credit-report-in-attempt-to-collect-discharged-debt_bl34003/) - https://pennrecord.com/stories/511394886-synchrony-bank-accused-of-accessing-individual-s-credit-report-in-attempt-to-collect-discharged-debt
- [The New ID Theft: Millions of Credit Applicants Who Don’t Exist](https://creditreportlawgroup.com/2018/03/13/identity-theft/the-new-id-theft-millions-of-credit-applicants-who-dont-exist_bl33503/) - Federal regulators are warning banks and other financial institutions about an expanding area of financial theft. With increasing regularity, thieves are creating identities out of thin air and running up balances on lines of credit using the phantom identities. It’s costing the financial industry billions, and presumably the costs are being passed on to customersRead
- [The real problem with credit reporting is the astounding number of errors](https://creditreportlawgroup.com/2017/09/29/fcra/the-real-problem-with-credit-reporting-is-the-astounding-number-of-errors_bl31895/) - The Big Three credit agencies are juggling roughly 2.6 billion data entries apiece, at any given time. With over 1 billion modifications to those entries each month, "[s]peed and volume are favored over accuracy." Aaron Klein of the Brookings Institute writes, the "costs of correcting the data outweigh benefits," leading to millions of errors on
- [The security of pretty much every computer on the planet has just gotten a lot worse](https://creditreportlawgroup.com/2018/01/05/cybercrime/the-security-of-pretty-much-every-computer-on-the-planet-has-just-gotten-a-lot-worse_bl32820/) - http://www.cnn.com/2018/01/04/opinions/security-of-nearly-every-computer-has-just-gotten-a-lot-worse-opinion-schneier/index.html Is your personal data secure? As your financial data been compromised? One place to start is to check your credit reports for free at annualcreditreport.com. we may be able to help at no cost to you.
- [Top-Ranking for the Credit Report Law Group](https://creditreportlawgroup.com/2017/10/16/news/top-ranking-for-the-law-office-of-adam-g-singer_bl32076/) - Local business-review website ThreeBestRated.com has named the Credit Report Law Group as one of the three best consumer protection attorneys in Manhattan. This rating was based upon a variety of factors including: “everything from checking reputation, history, complaints, local reviews, nearness, satisfaction, trust and cost to the general excellence.”See Rankings here
- [Trump is systematically backing off consumer protections, to the delight of corporations](https://creditreportlawgroup.com/2018/03/08/consumer-financial-protection-bureau-cfpb/trump-is-systematically-backing-off-consumer-protections-to-the-delight-of-corporations_bl33426/) - Agencies under President Trump’s executive discretion have taken a laid back approach to consumer protections relative to previous administrations. The Washington Post writes: “At the [CFPB], for example, enforcement actions have dropped from an average of three-to-five each month during the past four years down to zero since a Trump appointee took charge of the
- [Trump likely to tap budget director Mulvaney as interim CFPB chief](https://creditreportlawgroup.com/2017/11/20/consumer-financial-protection-bureau-cfpb/trump-likely-to-tap-budget-director-mulvaney-as-interim-cfpb-chief_bl32411/) - Fox guarding the hen house. Mulvaney was one of the agency's most vocal critics during his time in the House and voted in favor to kill the agency. http://money.cnn.com/2017/11/16/news/economy/trump-mulvaney-cfpb-appointment/index.html?iid=SF_LN
- [TzedekDC (tzedekdc.org) is a new Jewish lawyers group dedicated to providing pro bono debt representation for the poor.](https://creditreportlawgroup.com/2017/12/26/debt-collection-and-harassment/tzedekdc-tzedekdc-org-is-a-new-jewish-lawyers-group-dedicated-to-providing-pro-bono-debt-representation-for-the-poor-_bl32755/) - Whereas these disputes were once a matter of debtor vs. creditor, in recent decades the game has changed. Large companies write off their bad debt and sell the paper to third parties for pennies on the dollar. These big debt buyers then hire phalanxes of lawyers to sue thousands of people. The plaintiffs are
- [Uber was hacked in 2016, and data on 57 million people was exposed](https://creditreportlawgroup.com/2017/11/29/consumer-financial-protection-bureau-cfpb/uber-was-hacked-in-2016-and-data-on-57-million-people-was-exposed_bl32476/) - http://money.cnn.com/2017/11/21/technology/uber-hacked-2016/index.htmlContact us immediately if you discover any unfamiliar entries on your credit report. We represent consumers on contingency to obtain a permanently corrected report and, in many cases, compensation for violations of the federal Fair Credit Reporting Act.http://creditreportlawgroup.com/lawyer/Identity-Theft_cp16179.htm
- [Was your Facebook data shared with Cambridge Analytica? You can now find out](https://creditreportlawgroup.com/2018/04/10/cybercrime/was-your-facebook-data-shared-with-cambridge-analytica-you-can-now-find-out_bl33763/) - On Monday, the social media giant began rolling out a "see how you're affected" tool at the top of News Feeds to inform users if they're among the tens of millions of people who had their data improperly harvested by Cambridge Analytica.http://money.cnn.com/2018/04/09/technology/facebook-data-tool-cambridge-analytica/index.html
- [Welcome to National Consumer Protection Week 2018](https://creditreportlawgroup.com/2018/03/06/identity-theft/welcome-to-national-consumer-protection-week-2018_bl33417/) - As part of its 20th annual Consumer Protection Week, the Federal Trade Commission (FTC) is arming consumers with the tools and education necessary to combat identity theft, scammers, and the like. The FTC has released this blog as a reference to access the varied tools.
- [Wells Fargo fined $1 billion for insurance and mortgage abuses](https://creditreportlawgroup.com/2018/04/23/consumer-financial-protection-bureau-cfpb/wells-fargo-fined-1-billion-for-insurance-and-mortgage-abuses_bl33853/) - http://money.cnn.com/2018/04/20/news/companies/wells-fargo-regulators-auto-lending-fine/index.html
- [Why Equifax will continue to profit by selling your personal information](https://creditreportlawgroup.com/2017/10/04/credit-report-errors/why-equifax-will-continue-to-profit-by-selling-your-personal-information_bl31932/) - Equifax’s former CEO is testifying before Congress this week. In spite of the potential for great harm to consumers, industry-insiders expect little regulatory change in the wake of Equifax’s breach. The fact that credit is such an integral piece of the economy, generally—and the degree to which the economy relies upon a functioning credit reporting
- [https://www.cnbc.com/2018/01/18/how-often-you-should-pay-off-your-credit-card-bill.html](https://creditreportlawgroup.com/2018/01/19/credit-cards/httpswww-cnbc-com20180118how-often-you-should-pay-off-your-credit-card-bill-html_bl32994/) - "To build credit, what you want to do is have a demonstrated track record of using credit responsibly, and over time different forms of credit," McBride says. "With regard to revolving lines like credit cards, you want to demonstrate the ability to put expenses on the card and then to pay that off."To demonstrate
- [A New Kind of Lender Secretly Tracks Your Car to Make Sure You Pay Up](https://creditreportlawgroup.com/2018/11/28/debt-collection-and-harassment/a-new-kind-of-lender-secretly-tracks-your-car-to-make-sure-you-pay-up_bl36277/) - Debt collection on steroids. Now in China. Where next?So-called auto-backed lenders—which charge annualized interest rates as high as 36%—install tracking devices in cars by hiding them inside bumpers, under seats or behind mirrors to prevent them from being removed by borrowers. When people fail to repay their debts, collectors act quickly to repossess cars,
- [A high credit score can save you thousands of dollars—here are 2 of the simplest ways to increase yours in 2019](https://creditreportlawgroup.com/2018/12/24/credit-scores/a-high-credit-score-can-save-you-thousands-of-dollars-here-are-2-of-the-simplest-ways-to-increase-yours-in-2019_bl36535/) - https://www.cnbc.com/2018/12/21/2-simple-ways-to-increase-your-credit-score-in-2019.htmlWhen it comes to paying off your mortgage, NerdWallet found that an excellent score will save you more than $10,000 in interest over 30 years, compared to a score of 680. Do your credit reports contain inaccurate derogatory information? Visit annualcreditreport.com for free credit reports.
- [Compliance Now Required: New FCRA Summary of Rights Released](https://creditreportlawgroup.com/2018/09/28/fcra/compliance-now-required-new-fcra-summary-of-rights-released_bl35776/) - The Consumer Financial Protection Bureau issued a new FCRA "Summary of Rights" form, effective September 21, 2018 https://www.natlawreview.com/article/compliance-now-required-new-fcra-summary-rights-released
- [Congress just made credit freezes free](https://creditreportlawgroup.com/2018/05/23/credit-scores/congress-just-made-credit-freezes-free_bl34397/) - http://money.cnn.com/2018/05/22/pf/free-credit-freeze/index.htmlThe new legislation will make placing, lifting, and permanently removing freezes free no matter where you live. It also requires consumer rating companies to fulfill your request within one business day if made online or over the phone, and within three business days if requested by mail.The changes will take effect about four months
- [Credit problems may hinder job search](https://creditreportlawgroup.com/2018/06/11/background-check-errors/credit-problems-may-hinder-job-search-_bl34751/) - According to a survey conducted by the Society for Human Resource Management, 60% of private employers check the credit histories of some of their job applicants, and 13% check the histories of all potential hires. https://www.tcpalm.com/story/specialty-publications/your-news/martin-county/reader-submitted/2018/06/07/credit-problems-may-hinder-job-search-wealth-management/681814002/
- [D.C. was up in arms over Equifax breach — what happened?](https://creditreportlawgroup.com/2018/09/17/credit-report-errors/d-c-was-up-in-arms-over-equifax-breach-what-happened_bl35724/) - "There has been little to no action in Congress that relates to the Equifax data breach or enacting legislation which creates future remedies or legislation designed to prevent such massive data breaches,” said Jim Francis, an attorney at Francis & Mailman, a firm that focuses on consumer protection litigation. https://www.americanbanker.com/news/dc-was-up-in-arms-over-equifax-breach-what-happened Visit annualcreditreport.com for free credit reports and know
- [Data Breach at Question-and-Answer Site Quora Affects 100 Million](https://creditreportlawgroup.com/2018/12/04/cybercrime/data-breach-at-question-and-answer-site-quora-affects-100-million_bl36301/) - https://www.wsj.com/articles/data-breach-at-question-and-answer-site-quora-affects-100-million-1543896110?mod=hp_lista_pos2 The question-and-answer website Quora Inc. said Monday that hackers had broken into its network and gained access to data belonging to 100 million users.Quora detected the hack on Friday and is still investigating the incident. The company said that the hackers gained access to users’ names, email addresses and direct messages.News of the incident
- [Equifax data breach was a year ago – what has DC done about it?](https://creditreportlawgroup.com/2018/10/08/credit-report-errors/equifax-data-breach-was-a-year-ago-what-has-dc-done-about-it_bl35865/) - https://www.cbsnews.com/news/equifax-data-breach-was-a-year-ago-what-has-dc-done-about-it/What should consumers do?Get your credit reports at AnnualCreditReport.com. By federal law, consumers can get a free copy of their credit report every 12 months from each of the three big agencies -- Equifax, Experian and TransUnion.Examine all your listed accounts and loans to make sure that the personal information is correct and that
- [FBI warns banks about potential ATM hacking scheme](https://creditreportlawgroup.com/2018/08/14/credit-report-errors/fbi-warns-banks-about-potential-atm-hacking-scheme_bl35384/) - The FBI is warning financial institutions that their ATMs could be targeted in a hacking attempt.The threat was reported Sunday by Krebs On Security, a popular cybersecurity blog run by the journalist Brian Krebs.Krebs reported that the scheme is known as an "ATM cash-out," which means the attackers can hack a bank or payment card
- [FCRA Developments: Updated Summary of Rights & “Stand-Alone” Disclosure Need Not Be Separate In Time](https://creditreportlawgroup.com/2018/10/04/fcra/fcra-developments-updated-summary-of-rights-stand-alone-disclosure-need-not-be-separate-in-time_bl35847/) - Job applicants have important federal rights regarding their background checks. That includes being provided with a copy of a summary of those rights. It also includes important rights concerning inaccurate information on a background check report. https://www.jdsupra.com/legalnews/fcra-developments-updated-summary-of-77049/ More information can be found here
- [FICO Plans Big Shift in Credit-Score Calculations, Potentially Boosting Millions of Borrowers](https://creditreportlawgroup.com/2018/10/22/credit-scores/fico-plans-big-shift-in-credit-score-calculations-potentially-boosting-millions-of-borrowers_bl35983/) - Credit scores for decades have been based mostly on borrowers’ payment histories. That is about to change. https://www.wsj.com/articles/want-a-higher-credit-score-soon-your-cash-could-help-1540123200?mod=djemwhatsnews
- [FTC Testifies Before Senate Banking Committee on Fair Credit Reporting Act](https://creditreportlawgroup.com/2018/07/13/fcra/ftc-testifies-before-senate-banking-committee-on-fair-credit-reporting-act_bl35072/) - Testifying on behalf of the Commission at a hearing on credit bureaus and the FCRA, Maneesha Mithal, Associate Director of the FTC’s Division of Privacy and Identity Protection, noted that the Commission has played a key role in the implementation, enforcement, and interpretation of the FCRA since its enactment in 1970. The FCRA requires consumer
- [Facebook Security Breach Exposes Accounts of 50 Million Users](https://creditreportlawgroup.com/2018/10/03/news/facebook-security-breach-exposes-accounts-of-50-million-users_bl35802/) - Facebook said on Friday that an attack on its computer network had exposed the personal information of nearly 50 million users. https://www.nytimes.com/2018/09/28/technology/facebook-hack-data-breach.html?smid=fb-nytimes&smtyp=cur Identity theft often leads to fraudulent accounts on credit reports and other consumer reports. Federal law protects consumers in those situations. Know what's being reported about you: https://nyconsumerlaw.com/lawyer/What-data-is-being-reported-about-me-_cp19192.htm
- [Forty Percent of Americans can't cover a $400 emergency expense](https://creditreportlawgroup.com/2018/07/16/credit-report-errors/forty-percent-of-americans-cant-cover-a-400-emergency-expense_bl35080/) - Credit remains more important than ever. Be sure your credit reports are accurate -- it's your right under federal (and New York) law.https://money.cnn.com/2018/05/22/pf/emergency-expenses-household-finances/index.html
- [Free credit freezes are coming soon](https://creditreportlawgroup.com/2018/06/07/credit-scores/free-credit-freezes-are-coming-soon_bl34626/) - The new law has a long name – Economic Growth, Regulatory Relief, and Consumer Protection Act – but the outcome is simple. When the law takes effect in September, Equifax, Experian and TransUnionmust each set up a webpage for requesting fraud alerts and credit freezes. The FTC will also post links to those webpages
- [How More Americans Are Getting a Perfect Credit Score](https://creditreportlawgroup.com/2018/10/24/credit-scores/how-more-americans-are-getting-a-perfect-credit-score_bl36008/) - Members of the 850 Club can be broken into two groups. There are the super-knowledgeable tacticians trying to crack scoring algorithms, and the naturally prudent. Some are prepping for a loan. Others are just credit-score hobbyists. Paul Chua, 40, who works at San Carlos, Calif.-based Helix, a startup focused on personal genomics, is one of
- [How the Cashless Economy Shuts Out the Poor](https://creditreportlawgroup.com/2018/12/11/news/how-the-cashless-economy-shuts-out-the-poor-_bl36382/) - Lack of credit and the growing exclusions from society. https://www.nytimes.com/2018/12/06/nyregion/how-the-cashless-economy-shuts-out-the-poor.html
- [How this 54-year-old Alaskan oil worker got a perfect credit score](https://creditreportlawgroup.com/2018/10/16/news/how-this-54-year-old-alaskan-oil-worker-got-a-perfect-credit-score_bl35956/) - Only the top 1 or 2 percent of people will have a 'perfect' 850 credit score," Rod Griffin, director of consumer awareness at Experian, tells CNBC Make It. "And it probably won't stay that way. Scores move up and down as your credit history changes. If you increase your balances, open a new account,
- [Marriott says breach of Starwood guest database compromised info of up to 500 million](https://creditreportlawgroup.com/2018/11/30/identity-theft/marriott-says-breach-of-starwood-guest-database-compromised-info-of-up-to-500-million_bl36291/) - Marriott said it determined on Nov. 19 that the information was from its Starwood database."The company has not finished identifying duplicate information in the database, but believes it contains information on up to approximately 500 million guests who made a reservation at a Starwood property," the company said in a statement.For about 327 million
- [On the Mend: Bill Requiring Delayed Reporting of Veterans’ Medical Debts Seeks to Correct Department of Veterans Affairs Payments Errors](https://creditreportlawgroup.com/2018/11/26/legislation/on-the-mend-bill-requiring-delayed-reporting-of-veterans-medical-debts-seeks-to-correct-department-of-veterans-affairs-payments-errors_bl36260/) - As proposed, the Act requires the Secretary of Veterans Affairs to establish a database – not later than one year after enactment – to allow consumer reporting agencies to verify whether a debt furnished to a consumer reporting agency is veteran’s medical debt. https://www.natlawreview.com/article/mend-bill-requiring-delayed-reporting-veterans-medical-debts-seeks-to-correct
- [Report: ID thieves are exploiting USPS mail-scanning service, Secret Service warns](https://creditreportlawgroup.com/2018/11/12/cybercrime/report-id-thieves-are-exploiting-usps-mail-scanning-service-secret-service-warns_bl36197/) - Tech watchdog Krebs on Security reports that the U.S. Secret Service sent an internal alert on November 6 warning that scammers are using the Informed Delivery feature “to identify and intercept mail, and to further their identity theft fraud schemes.” They also want to use the service to “surveil potential identity theft victims” on criminal forums, Krebs reports. https://www.fastcompany.com/90265536/report-id-thieves-are-exploiting-usps-mail-scanning-service-secret-service-warns
- [Rubio, Kennedy Introduce Bill To Protect Small Businesses From Security Breaches](https://creditreportlawgroup.com/2018/11/21/fcra/rubio-kennedy-introduce-bill-to-protect-small-businesses-from-security-breaches_bl36245/) - Today, U.S. Senators Marco Rubio (R-FL) and John Kennedy (R-LA) introduced the Small Business Credit Protection Act, legislation that would require credit bureaus to inform small businesses, within 30 days, of a nonpublic personal data breach. The bill would also prohibit credit bureaus from charging small businesses for a credit report within 180 days following a breach. In
- [Senate looks to fix “broken” credit reporting system](https://creditreportlawgroup.com/2018/07/17/credit-report-errors/senate-looks-to-fix-broken-credit-reporting-system_bl35094/) - https://www.housingwire.com/articles/46049-senate-looks-to-fix-broken-credit-reporting-system Sen. Brian Schatz, D-Hawaii, pointed out that 5% of credit reports contain confirmed material errors, affecting about 10 million people. What’s more, Schatz pointed out that even two years after the errors were found, 84% of those remained on the credit reports.
- [Stanford Facing FCRA Class Action (Again)](https://creditreportlawgroup.com/2018/11/06/fcra/stanford-facing-fcra-class-action-again_bl36121/) - Stanford University is facing a new Fair Credit Reporting Act class action with, potentially, over a thousand class members. And it’s not the first time Stanford has faced these claims. Notably, this isn’t the first time that Stanford has faced FCRA claims for the disclosures in their application forms. In 2015, Stanford faced precisely the same
- [Stop The Onslaught Of Credit Card Offers](https://creditreportlawgroup.com/2018/12/21/credit-cards/stop-the-onslaught-of-credit-card-offers_bl36510/) - As part of the Fair Credit Reporting Act (FCRA), the credit reporting agencies are allowed to supply lists of consumers to potential creditors. Creditors can filter these lists to target their preferred audience for pre-approval offers. The FRCA allows you to opt-out of those lists, choking off the main source of credit card offers.To opt-out,
- [Students, families struggle to repay billions in crushing loan debts](https://creditreportlawgroup.com/2018/09/12/news/students-families-struggle-to-repay-billions-in-crushing-loan-debts_bl35628/) - Remember, consumers have a right to have accurate information on credit reports, even if related to student loans. http://www.foxnews.com/us/2018/09/06/students-families-struggle-to-repay-billions-in-crushing-loan-debts.html
- [Thieves Can Now Nab Your Data in a Few Minutes for a Few Bucks](https://creditreportlawgroup.com/2018/12/10/cybercrime/thieves-can-now-nab-your-data-in-a-few-minutes-for-a-few-bucks_bl36369/) - As investigators work to assess who hacked Marriott International Inc. and the extent of the damage, one place they are hunting is the shadowy digital bazaars where thieves and spies trade stolen personal data.https://www.wsj.com/articles/what-happens-to-your-data-after-a-hack-1544367600
- [This bill could weaken the protection of a credit freeze](https://creditreportlawgroup.com/2018/04/30/identity-theft/this-bill-could-weaken-the-protection-of-a-credit-freeze_bl34056/) - If the bill becomes a law, it will offer weaker protections against identity theft, replacing stronger ones currently dictated by individual states. And, as if that were not enough, it would also provide service members an inadequate right to credit monitoring, while paving the way for Equifax and the other national credit bureaus to
- [Thousands line up for zero-down-payment, subprime mortgages](https://creditreportlawgroup.com/2018/10/15/news/thousands-line-up-for-zero-down-payment-subprime-mortgages_bl35949/) - Borrowers can have low credit scores, but have to go through an education session about the program and submit all necessary documents, from income statements to phone bills. https://www.cnbc.com/2018/10/12/thousands-line-up-for-zero-down-payment-subprime-mortgages.html?__source=facebook%7Cmain
- [Uber Settles Data Breach Investigation for $148 Million](https://creditreportlawgroup.com/2018/11/13/identity-theft/uber-settles-data-breach-investigation-for-148-million_bl36202/) - Uber will pay $148 million to settle a nationwide investigation into a 2016 data breach, in which a hacker managed to gain access to information belonging to 57 million riders and drivers. The breach included names and driver’s license numbers for 600,000 drivers.The investigation, led by state attorneys general across the United States, focused
- [Wells Fargo blames "calculation error" after hundreds lose homes to foreclosure](https://creditreportlawgroup.com/2018/12/05/news/wells-fargo-blames-calculation-error-after-hundreds-lose-homes-to-foreclosure-_bl36309/) - How is Wells Fargo still in business?Must see video:https://www.cbsnews.com/video/wells-fargo-blames-calculation-error-after-hundreds-lose-homes-to-foreclosure/?fbclid=IwAR3ynYuo6vcnCngB27TQhor5pEfawqh4Q7h4MSlh3uManm5RFPyoiT1GblA
- [Wells Fargo says hundreds of customers lost homes after computer glitch](https://creditreportlawgroup.com/2018/08/06/credit-report-errors/wells-fargo-says-hundreds-of-customers-lost-homes-after-computer-glitch_bl35311/) - https://money.cnn.com/2018/08/04/news/companies/wells-fargo-mortgage-modification/index.htmlWells Fargo said the computer error affected "certain accounts" that were undergoing the foreclosure process between April 2010 and October 2015, when the issue was corrected.About 625 customers were incorrectly denied a loan modification or were not offered one even though they were qualified, according to the filing. In about 400 cases, the customers
- [What to Expect From the New Head of the Consumer Financial Protection Bureau](https://creditreportlawgroup.com/2018/12/07/consumer-financial-protection-bureau-cfpb/what-to-expect-from-the-new-head-of-the-consumer-financial-protection-bureau_bl36350/) - Business as usual or a new direction?https://www.consumerreports.org/government-law-regulation/what-to-expect-from-the-new-head-of-the-consumer-financial-protection-bureau/
- [What you need to know about the Google+ data breach](https://creditreportlawgroup.com/2018/12/12/cybercrime/what-you-need-to-know-about-the-google-data-breach_bl36389/) - Google says over 54 million Google+ members had some of their data stolen in November.https://www.wpsdlocal6.com/2018/12/11/what-you-need-to-know-about-the-google-data-breach/
- [Will a lender getting a copy of my credit report affect my score?](https://creditreportlawgroup.com/2018/12/06/credit-scores/will-a-lender-getting-a-copy-of-my-credit-report-affect-my-score_bl36331/) - Answer:A single credit inquiry from a lender will have little impact on your credit score.Credit scoring models also take into account when a consumer is shopping for the best rate on a student loan, auto loan, or mortgage and do not penalize them for this comparison shopping.For these types of loans, scoring models generally count
- [Yahoo might owe you money: It agrees to pay $85 million in data-breach settlement](https://creditreportlawgroup.com/2018/10/26/news/yahoo-might-owe-you-money-it-agrees-to-pay-85-million-in-data-breach-settlement_bl36013/) - Yahoo must pay $85 million and provide free credit monitoring to 200 million people as part of a settlement of what is believed to be the biggest data breach ever.The onetime internet giant, which is now owned by Verizon, has reached a settlement in a class-action lawsuit over the 2013 and 2014 hacks. The
- [Equifax garners the most complaints in 2017](https://creditreportlawgroup.com/2019/07/25/news/equifax-garners-the-most-complaints-in-2017_bl38186/) - Do you have a most hated company? Where does Equifax rank on your list?According to an analysis released Thursday by LendEdu, in 2017 the Consumer Financial Protection Bureau (CFPB) received 30,576 complaints about the Atlanta-based provider of credit reporting services. No other company generated more consumer gripes in 49 states and Washington, D.C. That lone exception
- [12 Million Medical Bills Stolen by Data Thieves: What to Do](https://creditreportlawgroup.com/2019/06/06/cybercrime/12-million-medical-bills-stolen-by-data-thieves-what-to-do_bl37798/) - Nearly 12 million U.S. residents may have had their credit cards, Social Security numbers compromised, thanks to a data breach at a medical blll-collection agency. It's likely that names, addresses and dates of birth were also part of the breach. https://www.tomsguide.com/us/amca-data-breach,news-30238.html
- [A malware attack against accounting software giant Wolters Kluwer is causing a 'quiet panic' at accounting firms](https://creditreportlawgroup.com/2019/05/09/cybercrime/a-malware-attack-against-accounting-software-giant-wolters-kluwer-is-causing-a-quiet-panic-at-accounting-firms_bl37616/) - Do your credit reports include unfamiliar accounts or information? Learn more here: https://creditreportlawgroup.com/lawyer/Identity-Theft_cp16179.htm Wolters Kluwer provides software and services to all of the top 100 accounting firms in the U.S., 90% of top global banks and 93% of Fortune 500 companies, according to its web site. Many of its tax and accounting services, as well as vital storage
- [Amex Employee Suspected of Wrongfully Accessing Customer Data to Commit Fraud](https://creditreportlawgroup.com/2019/10/11/cybercrime/amex-employee-suspected-of-wrongfully-accessing-customer-data-to-commit-fraud_bl38806/) - A former employee of American Express is under investigation by the police for allegedly accessing customer information with the intent to commit fraud. The exact details of the incident have not been disclosed, but the employee is thought to have wrongfully accessed the personal information of Amex customers in America in an attempt to open accounts at other
- [Capital One breach exposed bank data for the most financially vulnerable customers](https://creditreportlawgroup.com/2019/07/31/news/capital-one-breach-exposed-bank-data-for-the-most-financially-vulnerable-customers-_bl38212/) - https://www.cnn.com/2019/07/30/business/capital-one-hack-secured-credit-card-customers/index.html And it could get worse: The Social Security numbers of Capital One secured card holders may also have been exposed in the breach, and identity theft can destroy a credit score.Criminals need only a Social Security number and a few other key bits of personal information to cause serious damage. They can rack up medical bills
- [Capital One data breach exposes tens of thousands of Social Security numbers, linked bank accounts](https://creditreportlawgroup.com/2019/07/30/news/capital-one-data-breach-exposes-tens-of-thousands-of-social-security-numbers-linked-bank-accounts_bl38204/) - https://www.cnbc.com/2019/07/30/capital-one-breach-customer-records-social-security-numbers.html The Virginia-headquartered bank said in a news release that about 140,000 Social Security numbers of its credit card customers and around 80,000 linked bank account numbers were compromised. In total, Capital One said, "this event affected approximately 100 million individuals in the United States and approximately 6 million in Canada."Still, no credit card account numbers or
- [Checking your credit score should always be free. Here's exactly how to do it.](https://creditreportlawgroup.com/2019/07/08/credit-scores/checking-your-credit-score-should-always-be-free-heres-exactly-how-to-do-it-_bl38043/) - Checking your credit score should always be free. There are many ways to get your score. Click here to avoid the scams and unnecessary costs today.
- [Clarence Thomas Just Voted With the Liberals in a Big Consumer Rights Case. Why?](https://creditreportlawgroup.com/2019/06/07/deceptive-acts-and-practices/clarence-thomas-just-voted-with-the-liberals-in-a-big-consumer-rights-case-why_bl37801/) - The story of Home Depot is a tale of greed, grift, and civil procedure. It centers on a scheme that involved three companies: Home Depot, Citibank, and Carolina Water Systems Inc. Here’s how it allegedly worked. Representatives from Home Depot or CWS called homeowners and claimed that “contaminants” were found in nearby tap water. They urged homeowners
- [Congress should follow California's lead in protecting consumers](https://creditreportlawgroup.com/2019/07/26/news/congress-should-follow-californias-lead-in-protecting-consumers_bl38192/) - Many aspects of privacy protection in our country are broken and Congress is not doing its part to fix them. For example, when hackers obtained the private information of 148 million Americans in the 2017 Equifax breach, Congress did virtually nothing -- not even coming close to voting on bills, like the proposed Data Breach Prevention and Compensation Act, which would
- [Consumer Bureau Moves to Cap Debt Collectors’ Calls, and Allow Texts and Emails](https://creditreportlawgroup.com/2019/05/08/debt-collection-and-harassment/consumer-bureau-moves-to-cap-debt-collectors-calls-and-allow-texts-and-emails_bl37606/) - The new rules would bar collectors from making more than seven attempts a week to reach a debtor by phone. Once they make contact, collectors would have to wait a week before calling again.The new rules also grant debt collectors a concession they have long wanted: allowing the use of email and text messages to
- [Data Breach Exposes Millions of Loan Documents Online](https://creditreportlawgroup.com/2019/01/25/identity-theft/data-breach-exposes-millions-of-loan-documents-online_bl36776/) - More than 24 million financial and banking documents related to mortgages and other consumer loans were leaked online due to a server security lapse.https://nationalmortgageprofessional.com/news/69821/data-breach-exposes-millions-loan-documents-online
- [Elderly robocall scam victim committed suicide after 'fraudsters' stole life savings](https://creditreportlawgroup.com/2019/07/19/news/elderly-robocall-scam-victim-committed-suicide-after-fraudsters-stole-life-savings_bl38151/) - An elderly victim of a robocall scam lost their life savings to fraudsters, the situation took a tragic turn a week later. Click here for more information.
- [Equifax CEO testifies company took security seriously before its massive breach in response to scathing Senate report](https://creditreportlawgroup.com/2019/03/14/cybercrime/equifax-ceo-testifies-company-took-security-seriously-before-its-massive-breach-in-response-to-scathing-senate-report_bl37166/) - The report also criticizes Equifax for not properly saving records of internal conversations about the breach. Employees used an internal chat service called Microsoft Lync, which was set to not preserve conversations. Although this is a typical data retention practice, companies often adopt different standards surrounding events that may lead to legal action, specifically enacting a "legal
- [Equifax Doesn’t Want You to Get Your $125. Here’s What You Can Do.](https://creditreportlawgroup.com/2019/09/19/news/equifax-doesnt-want-you-to-get-your-125-heres-what-you-can-do-_bl38527/) - To recap: Equifax exposed personal financial information, was sued by the government and settled. The government publicly touted a cash reward alternative of up to $125 to victims without ensuring enough money had been set aside to guarantee the max amount for every possible person affected; the government backtracked on its statement; eventually, the Equifax settlement team
- [Equifax Was Aware of Cybersecurity Weaknesses for Years, Senate Report Says](https://creditreportlawgroup.com/2019/03/15/news/equifax-was-aware-of-cybersecurity-weaknesses-for-years-senate-report-says_bl37173/) - A December 2018 report from the House of Representatives’ Oversight and Government Reform Committee Republicans blasted the company for its poor security practices, and the new U.S. Senate report does that once again, while also providing some more details on Equifax’ failures regarding the incident. According to the report (PDF), Equifax was aware of security weaknesses in its
- [Equifax exposed 150 million Americans' personal data. Now it will pay up to $700 million](https://creditreportlawgroup.com/2019/07/23/fcra/equifax-exposed-150-million-americans-personal-data-now-it-will-pay-up-to-700-million_bl38177/) - Data breaches place almost everyone at risk for credit report mistakes. That Equifax -- a company charged by law with protecting victims of identity theft and ensuring data integrity -- failed to prevent this breach is a bitter irony. Consumers should regularly check their credit reports for inaccurate information. The Fair Credit Reporting Act enshrines consumers'
- [Equifax to Pay at Least $650 Million in Largest-Ever Data Breach Settlement](https://creditreportlawgroup.com/2019/07/24/class-actions/equifax-to-pay-at-least-650-million-in-largest-ever-data-breach-settlement_bl38180/) - “Equifax put profits over privacy and greed over people, and must be held accountable to the millions of people they put at risk,” said Attorney General Letitia James of New York, who helped lead the states’ investigation. “This company’s ineptitude, negligence and lax security standards endangered the identities of half the U.S. population.” https://www.nytimes.com/2019/07/22/business/equifax-settlement.html?action=click&module=Latest&pgtype=Homepage
- [Equifax wants judge to reject suits by banks](https://creditreportlawgroup.com/2019/01/30/news/equifax-wants-judge-to-reject-suits-by-banks_bl36807/) - Even the big banks are suing Equifax for identity theft-related costs. The companies, which are based in 29 states, sued Equifax and claimed that Equifax owes them for all the costs they incurred after the data breach was revealed. The cost were associated with the actions taken to protect themselves and their customers from fraud, the suit claims. https://www.ajc.com/business/equifax-wants-judge-reject-suits-banks/eTyK8TZPMK8aWOKCLCSbIN/
- [FTC Announces Final Rule Implementing Law Providing Free Credit Monitoring for Active Duty Military Consumers](https://creditreportlawgroup.com/2019/07/09/news/ftc-announces-final-rule-implementing-law-providing-free-credit-monitoring-for-active-duty-military-consumers_bl38048/) - The FTC announces final; Rule, implementing free credit reporting and monitoring for active-duty military consumers. Click here for more information!
- [Facebook listening to voice chats, paying contractors to transcribe them](https://creditreportlawgroup.com/2019/08/15/deceptive-acts-and-practices/facebook-listening-to-voice-chats-paying-contractors-to-transcribe-them_bl38339/) - https://video.foxbusiness.com/v/6072917673001/#sp=show-clips
- [Getting Into the 800 Credit Score Club Is Tough—Staying in Is Tougher](https://creditreportlawgroup.com/2019/03/08/credit-scores/getting-into-the-800-credit-score-club-is-tough-staying-in-is-tougher_bl37116/) - Every couple of days, Mr. Quion eyeballs his score through the Bank of America app on his phone. He pays his credit-card bill weekly to goose his score, recently a respectable and creditworthy 746. https://www.wsj.com/articles/getting-into-the-800-club-is-toughstaying-in-is-tougher-11551659604
- [Google Shuts Out Payday Loans With App-Store Ban](https://creditreportlawgroup.com/2019/10/17/deceptive-acts-and-practices/google-shuts-out-payday-loans-with-app-store-ban_bl38832/) - Google said it made the change ‘to protect people from deceptive and exploitative personal-loan terms’https://www.wsj.com/articles/google-shuts-out-payday-loans-with-app-store-ban-11570886730
- [Helping consumers with credit report errors is the core of our practice.](https://creditreportlawgroup.com/2019/05/17/credit-report-errors/helping-consumers-with-credit-report-errors-is-the-core-of-our-practice-_bl37690/) - https://www.bankrate.com/personal-finance/credit/credit-report-mistakes-errors/The Federal Trade Commission conducted a study which found that one in five consumers discovered mistakes on at least one of their credit reports that might impact their credit scores.However, many (perhaps most) of the errors on credit reports aren’t actually caused by the credit bureaus themselves. Rather, data furnishers like banks, creditors and collection agencies can
- [How Can Identity Theft Affect Your FICO Scores?](https://creditreportlawgroup.com/2019/09/11/credit-scores/how-can-identity-theft-affect-your-fico-scores_bl38487/) - If you are unfortunate enough to get your identity stolen, they also steal your credit score which means they can ruin it too. Click now for more information!
- [How Do Different Credit Actions Impact Your FICO Scores?](https://creditreportlawgroup.com/2019/09/04/credit-scores/how-do-different-credit-actions-impact-your-fico-scores_bl38408/) - https://blog.myfico.com/credit-actions-affect-fico-scores/ The way you manage your finances and use credit (both positively and negatively) can impact your FICO® Scores. But how your FICO Scores change can vary widely depending on your credit profile and how you have used and managed your credit previously.
- [How Much Is Your Data Worth to Facebook and Google? A New Senate Bill Aims to Find Out](https://creditreportlawgroup.com/2019/06/25/legislation/how-much-is-your-data-worth-to-facebook-and-google-a-new-senate-bill-aims-to-find-out_bl38000/) - The credit bureaus should be included.http://fortune.com/2019/06/24/facebook-google-data-privacy-dashboard-act/ The Designing Accounting Safeguards to Help Broaden Oversight And Regulations on Data (DASHBOARD) Act, which was introduced on Monday, takes aim at companies that have more than 100 million monthly active users. The bill would pull back at least part of the curtain on the data collection practices of technology
- [How To Find Out What's On Your Background Check](https://creditreportlawgroup.com/2019/02/05/background-check-errors/how-to-find-out-whats-on-your-background-check_bl36863/) - It's important to know what an employer might find in your background check. Know your rights and take advantage of the Fair Credit Reporting Act. Click here.
- [How do Credit Bureaus Get Your Information?](https://creditreportlawgroup.com/2019/08/14/credit-scores/how-do-credit-bureaus-get-your-information_bl38325/) - The top three credit bureaus (also known as credit reporting agencies) are Experian, Equifax and TransUnion. When you’re applying for credit, lenders depend on the data provided by these bureaus to make their decision whether or not to lend you money. So where does this data come from in the first place?https://blog.myfico.com/how-credit-bureaus-get-your-info/
- [How do FICO scores consider student loan shopping?](https://creditreportlawgroup.com/2019/08/08/news/how-do-fico-scores-consider-student-loan-shopping_bl38300/) - The growth of the student loan industry has increased public interest in how lenders assess the credit risk of young college-bound adults. Both large and small lenders often use FICO® credit scores to help them underwrite student loans. How the FICO credit scoring formulas treat credit inquiries depends on the way in which those inquiries are
- [How to Monitor Your Credit Without Hurting Your Credit Score](https://creditreportlawgroup.com/2019/03/13/credit-scores/how-to-monitor-your-credit-without-hurting-your-credit-score_bl37161/) - There are two primary credit scoring models that lenders use to determine your risk. They are:FICO® ScoreVantageScoreEven though each model uses the same credit reports, they weigh the information differently. This means that some consumers may see a significant difference between their two scores. The score that is used will depend on the individual lender, but
- [How to opt out of arbitration for the new Apple Card (and why you’d want to)](https://creditreportlawgroup.com/2019/09/06/credit-report-errors/how-to-opt-out-of-arbitration-for-the-new-apple-card-and-why-youd-want-to_bl38450/) - Goldman Sachs and Apple have included an arbitration provision in the Apple Card customer agreement. It basically means you can’t join a class action lawsuit against either company, experts said.Customers can also easily opt-out of arbitration — here’s how you do it. https://www.cnbc.com/2019/08/21/apple-card-arbitration-agreement-how-to-opt-out.html
- [Hundreds of millions of Facebook records exposed on Amazon cloud servers](https://creditreportlawgroup.com/2019/04/04/deceptive-acts-and-practices/hundreds-of-millions-of-facebook-records-exposed-on-amazon-cloud-servers_bl37400/) - A vast collection of data on Facebook users was exposed to the public until recently on Amazon's cloud computing servers, researchers have found.UpGuard, a cybersecurity firm, said Wednesday that there were more than 540 million records including comments, likes, reactions and account names exposed to the public. The number of users whose data was included is not
- [Identity Theft Protections for Minors Signals New Area of Privacy Obligations for Companies](https://creditreportlawgroup.com/2019/04/18/identity-theft/identity-theft-protections-for-minors-signals-new-area-of-privacy-obligations-for-companies_bl37507/) - Identity theft protection isn't just for adults anymore. As stories of data breaches and identity theft have become part of the daily news cycle, a recent law enacted by Congress provides increased protection to minors from such attacks. Under Pub. L. 115-175, better known as the Economic Growth, Regulatory Relief, and Consumer Protection Act (the
- [Jury returns $2 billion verdict against Monsanto for couple with cancer -- the biggest so far](https://creditreportlawgroup.com/2019/05/15/news/jury-returns-2-billion-verdict-against-monsanto-for-couple-with-cancer-the-biggest-so-far_bl37670/) - A clear statement that there is a price to pay when greed so terribly blinds corporate "persons" that they irreparably harm real people. https://www.cnn.com/2019/05/13/health/monsanto-roundup-cancer-verdict-bn/index.html"This is going to continue until Monsanto and now Bayer takes responsibility for its product," Wisner said. "This is not the end of this litigation," he said. "This is the beginning."
- [Liberty Vittert: Collecting your data is the biggest, baddest, business around. Where's our government?](https://creditreportlawgroup.com/2019/09/10/deceptive-acts-and-practices/liberty-vittert-collecting-your-data-is-the-biggest-baddest-business-around-wheres-our-government_bl38475/) - The Fair Credit Reporting Act was ahead of its time in terms of assuring consumer rights re: the accuracy of the data that is involuntary reported about consumers. One of the next frontiers is establishing consumers' rights to control that data. Listen to Microsoft's president discuss . . .Your rights are being violated and you don’t
- [Many minorities avoid seeking credit due to generations of discrimination. Why that keeps them back](https://creditreportlawgroup.com/2019/09/02/credit-scores/many-minorities-avoid-seeking-credit-due-to-generations-of-discrimination-why-that-keeps-them-back_bl38399/) - https://www.cnbc.com/2019/09/01/many-minorities-avoid-seeking-credit-due-to-decades-of-discrimination.htmlThere is longstanding debate over whether the algorithms that drive the credit scoring system are racially biased.Joanne Gaskin, vice president of scores and analytics at credit-scoring company FICO, says the firm doesn’t use age, address, employment, income, gender or race in generating their scores.“The fact that race is not factored into the credit score is
- [Maxine Waters proposes consumer-friendly overhaul of credit reporting industry](https://creditreportlawgroup.com/2019/02/28/credit-report-errors/maxine-waters-proposes-consumer-friendly-overhaul-of-credit-reporting-industry_bl37019/) - The heads of the three leading credit reporting companies heard bipartisan criticism as Waters, the veteran Los Angeles Democrat, launched her first major legislative initiative as chairwoman of the Financial Services Committee.“To credit reporting bureaus, consumers aren’t consumers. They are commodities,” Waters said, adding that dissatisfied Americans can’t just take their business to another company.Although Equifax,
- [NY bill would bar facial recognition programs for landlords](https://creditreportlawgroup.com/2019/05/20/legislation/ny-bill-would-bar-facial-recognition-programs-for-landlords_bl37699/) - Big data gets visual.https://www.crainsnewyork.com/politics/ny-bill-would-bar-facial-recognition-programs-landlordsNew legislation introduced in New York state would ban the use of facial recognition software by landlords in residential buildings.The bill, announced Thursday, comes after officials in San Francisco voted to prohibit police and other city agencies from using facial recognition systems.
- [New Bill Would Amend FCRA by Delaying Reporting of Medical Debt](https://creditreportlawgroup.com/2019/05/28/fcra/new-bill-would-amend-fcra-by-delaying-reporting-of-medical-debt_bl37743/) - Senate Bill 1581, introduced by Sen. Jeff Merkley [D-Ore.] and co-sponsored by Sen. Richard Blumenthal [D-Conn.], Sen. Elizabeth Warren [D-Mass.], Sen. Bob Menendez [D-N.J.], and Sen. Dick Durbin [D-Ill.], would amend the Fair Credit Reporting Act by delaying reporting of an individual’s medical debt to credit reporting agencies for one year. It would also require the
- [New Trump Administration Rule Will Look at Immigrants’ Credit Histories](https://creditreportlawgroup.com/2019/09/05/credit-scores/new-trump-administration-rule-will-look-at-immigrants-credit-histories_bl38437/) - The Trump administration imposed sweeping changes to U.S. immigration policy this week, including letting the government—apparently for the first time—weigh prospective immigrants’ credit history when deciding who gets to come to the U.S. and who gets to stay.https://www.wsj.com/articles/new-trump-administration-rule-will-look-at-immigrants-credit-histories-11565973971
- [New federal law allows consumers to freeze credit](https://creditreportlawgroup.com/2019/03/19/credit-scores/new-federal-law-allows-consumers-to-freeze-credit_bl37196/) - If you have accounts on your credit reports that you do not recognize, learn more at nyconsumerlaw.com Visit annualcreditreport.com for free credit reports or purchase them directly from each bureaus website (Equifax.com , Experian.com , TransUnion.com , Innovis.com ) https://www.nbcnews.com/nightly-news/video/new-federal-law-allows-consumers-to-freeze-credit-1326400067651
- [Rising Rents for Millennials Give Rise to a New Breed of Lender](https://creditreportlawgroup.com/2019/05/14/credit-cards/rising-rents-for-millennials-give-rise-to-a-new-breed-of-lender_bl37657/) - A 2017 survey of more than 100,000 renters by the National Multifamily Housing Council, a landlord group, showed 3% of those surveyed paid rent with credit cards and 16% said they would do so if their landlords agreed.“As rents have gone up, we get more and more emails and phone calls where people would ask
- [The Capital One Hack: Life in the Time of Breach Fatigue](https://creditreportlawgroup.com/2019/08/05/news/the-capital-one-hack-life-in-the-time-of-breach-fatigue_bl38258/) - https://www.wsj.com/articles/the-capital-one-hack-life-in-the-time-of-breach-fatigue-11564824600Not every thief has every piece of your data. There are still things that you can do that can make a difference. If your Social Security number has been compromised four times, and you haven’t done a credit freeze, you are low-hanging fruit.”Mr. Erwin’s approach is common for those who fear that data breaches will
- [The Equifax breach affecting nearly half of Americans was “entirely preventable”](https://creditreportlawgroup.com/2019/02/13/identity-theft/the-equifax-breach-affecting-nearly-half-of-americans-was-entirely-preventable_bl36935/) - The cyber attack at Equifax that compromised data for nearly half of all Americans was the result of rapid growth that boosted company’s share price but left the the consumer credit bureau’s IT systems dangerously exposed to hackers. The massive data breach, which took advantage of known security vulnerabilities, “was entirely preventable,” according to a US
- [There are no “quick fixes” to clean up your credit](https://creditreportlawgroup.com/2019/08/22/credit-scores/there-are-no-quick-fixes-to-clean-up-your-credit_bl38371/) - If you’re trying to clean up your credit, you’ll come across plenty of companies offering an easy fix. But any company promising instant results for a price is likely a scam.https://www.consumer.ftc.gov/blog/2019/06/there-are-no-quick-fixes-clean-your-credit-0?utm_source=govdelivery
- [To Raise Your Credit Score, Start by Understanding It](https://creditreportlawgroup.com/2019/02/07/credit-scores/to-raise-your-credit-score-start-by-understanding-it_bl36887/) - The nuance in credit scores comes from the elements beyond simply paying what you owe on time, although there is less transparency with these other factors influencing your score. The second-largest part of your score’s makeup belongs to how much you owe. https://www.wsj.com/articles/to-raise-your-credit-score-start-by-understanding-it-11548010800
- [Top 10 Warning Signs of Identity Theft](https://creditreportlawgroup.com/2019/08/12/identity-theft/top-10-warning-signs-of-identity-theft-_bl38317/) - To fight identity theft, it is important to know the warning signs and how identity theft occurs. Click here for the top warning signs of identity theft!
- [U.S. House Votes to End Forced Arbitration in Corporate Contracts](https://creditreportlawgroup.com/2019/10/10/legislation/u-s-house-votes-to-end-forced-arbitration-in-corporate-contracts_bl38800/) - FAIR Act would restore consumers’ and workers’ right to seek justice in court when harmed. A Senate vote is next.https://www.consumeradvocates.org/media/news/us-house-votes-end-forced-arbitration-corporate-contracts
- [USAA to Pay $12 Million in Restitution to Customers, $3.5 Million Fine](https://creditreportlawgroup.com/2019/01/07/consumer-financial-protection-bureau-cfpb/usaa-to-pay-12-million-in-restitution-to-customers-3-5-million-fine_bl36587/) - Settlement with Consumer Financial Protection Bureau cites failures with preauthorized electronic fund transfers, reopening closed accountshttps://www.wsj.com/articles/usaa-to-pay-12-million-in-restitution-to-customers-3-5-million-fine-11546556437
- [Wells Fargo CEO Tim Sloan steps down suddenly CNN Digital Rebranding 2014 Matt Egan](https://creditreportlawgroup.com/2019/03/29/news/wells-fargo-ceo-tim-sloan-steps-down-suddenly-cnn-digital-rebranding-2014-matt-egan_bl37267/) - While Wells Fargo took steps to fix itself, including replacing senior executives and eliminating its controversial sales goals, new problems continued to emerge.Beyond the fake-accounts scandal, Wells Fargo has admitted to charging thousands of borrowers for auto insurance they didn't need and hundreds of homebuyers mortgage fees they didn't deserve. Last year, Wells Fargo said about 545 homeowners lost their homes due
- [Wells Fargo to Pay States About $575 Million to Settle Customer Harm Claims](https://creditreportlawgroup.com/2018/12/31/class-actions/wells-fargo-to-pay-states-about-575-million-to-settle-customer-harm-claims_bl36554/) - Latest settlement covers retail sales practices and auto-loan, mortgage charges https://www.wsj.com/articles/wells-fargo-to-pay-states-about-575-million-to-settle-customer-harm-claims-11546016757
- [What everyone should know about employer background checks](https://creditreportlawgroup.com/2019/07/05/background-check-errors/what-everyone-should-know-about-employer-background-checks_bl38040/) - The Credit Report Law Group is dedicated to helping individuals obtain compensation and justice for wrongful background check errors. Visit our website.
- [Where You Went to College May Matter on Your Loan Application](https://creditreportlawgroup.com/2019/08/13/deceptive-acts-and-practices/where-you-went-to-college-may-matter-on-your-loan-application_bl38320/) - Despite the growing embrace of such measures, some consumer advocates say the trend will hurt lower-income or minority borrowers. “It entrenches and perpetuates inequality in such an obvious and stark way,” says Chi Chi Wu, an attorney for the National Consumer Law Center, who adds that the existing system already makes it harder for people
- [Why Big Tech Wants Access to Your Medical Records](https://creditreportlawgroup.com/2019/01/24/news/why-big-tech-wants-access-to-your-medical-records_bl36771/) - Big data expands far beyond credit, housing, and employment reporting. https://on.wsj.com/2RB4nVg
- [Your phone carrier can now block robocalls by default](https://creditreportlawgroup.com/2019/06/11/legislation/your-phone-carrier-can-now-block-robocalls-by-default_bl37833/) - The Federal Communications Commission voted on Thursday to give wireless carriers like Verizon the green light to block unwanted robocalls automatically for all customers. The move could curb a torrent of phone-based scams and unwelcome interruptions that have afflicted millions of consumers, said the FCC.https://www.cnn.com/2019/06/06/tech/robocalls-blocking-fcc/index.html
- [1 in 3 consumers fear they will max out a credit card](https://creditreportlawgroup.com/2020/02/17/credit-cards/1-in-3-consumers-fear-they-will-max-out-a-credit-card_bl39515/) - More than one-third, or 37%, also said they have already maxed out their credit card and 14% said they have maxed it out more than once. WalletHub polled more than 700 people in January. Still, most Americans continue to take on ever-increasing amounts of debt. According to data from the Federal Reserve, the U.S. surpassed
- [Adam Singer, Esq.: Today's Verdict Interview](https://creditreportlawgroup.com/2019/12/24/news/adam-singer-esq-todays-verdict-interview-_bl39222/) - I enjoyed sitting down for a TV interview at the studio for NYC's own legal news show Today's Verdict. Topic was credit report errors and how consumers can monitor their reports for free via annualcrediterport.com. Here is that interview: https://www.bronxnet.org/watch/videos/8599/ (Also a pleasure meeting and watching the interview of Commissioner Salas of the NYC Department of Consumer Affairs.)
- [Adam Singer's Appearance on Today's Verdict](https://creditreportlawgroup.com/2019/12/06/news/adam-singers-appearance-on-todays-verdict_bl39116/) - I enjoyed sitting down for a TV interview this week at the studio for NYC's own legal news show Today's Verdict. Topic was credit report errors and how consumers can monitor their reports for free via annualcrediterport.com. (Also a pleasure meeting and watching the interview of Commissioner Salas of the NYC Department of Consumer Affairs.)
- [Average FICO score hits record high—here’s the average credit score in every state](https://creditreportlawgroup.com/2020/01/15/credit-scores/average-fico-score-hits-record-high-heres-the-average-credit-score-in-every-state_bl39327/) - https://www.cnbc.com/select/average-fico-score-hits-record-high-703/Key FindingsThe average FICO score in the U.S. hit a record high of 703 in 2019Minnesota residents have the highest average credit score for the eighth consecutive year at 731Mississippi residents have the lowest average credit score at 66759% of Americans have a FICO score of 700 or higher — the biggest percentage ever seen
- [Chinese Hacking Is Alarming. So Are Data Brokers.](https://creditreportlawgroup.com/2020/02/11/news/chinese-hacking-is-alarming-so-are-data-brokers-_bl39477/) - Using the personal data of millions of Americans against their will is certainly alarming. But what’s the difference between the Chinese government stealing all that information and a data broker amassing it legally without user consent and selling it on the open market?Both are predatory practices to invade privacy for insights and strategic leverage. Yes, one
- [Clearview AI has billions of our photos. Its entire client list was just stolen](https://creditreportlawgroup.com/2020/02/27/cybercrime/clearview-ai-has-billions-of-our-photos-its-entire-client-list-was-just-stolen_bl39558/) - The company claims to have scraped more than 3 billion photos from the internet, including photos from popular social media platforms like Facebook, Instagram, Twitter and YouTube.The firm garnered controversy in January after a New York Times investigation revealed that Clearview AI's technology allowed law enforcement agencies to use its technology to match photos of
- [Credit repair firm settles with FTC](https://creditreportlawgroup.com/2020/03/13/credit-scores/credit-repair-firm-settles-with-ftc_bl39665/) - BoostMyScore.net, the credit repair firm acused of unauthorized ‘piggybacking,’ charged upfront fees, and now settles with the Federal Trade Commmision.
- [Dealing With Debt Collectors - The Video Series](https://creditreportlawgroup.com/2020/04/17/debt-collection-and-harassment/dealing-with-debt-collectors-the-video-series_bl39969/) - Dealing with debt collectors can be difficult. Know your rights and options to protect yourself from harassment. Click here for advice and tips!
- [Equifax settles case with woman who sued after a credit file mix-up allegedly ‘destroyed’ her family’s life](https://creditreportlawgroup.com/2019/11/26/credit-report-errors/equifax-settles-case-with-woman-who-sued-after-a-credit-file-mix-up-allegedly-destroyed-her-familys-life_bl39068/) - Our law firm provides the best legal services that you need when facing issues like debt harassment. Check out our blog on credit report errors.
- [Experian hack exposes 15 million people's personal information](https://creditreportlawgroup.com/2020/02/13/cybercrime/experian-hack-exposes-15-million-peoples-personal-information_bl39508/) - We all know about the Equifax breach of 2017. But what about the smaller breach in 2015 of another of the Big Three national credit bureaus, Experian? https://www.theguardian.com/business/2015/oct/01/experian-hack-t-mobile-credit-checks-personal-information
- [FICO Changes Could Lower Your Credit Score](https://creditreportlawgroup.com/2020/01/27/credit-scores/fico-changes-could-lower-your-credit-score_bl39371/) - https://www.wsj.com/articles/fico-changes-could-lower-your-credit-score-11579780800Changes in how the most widely used credit score in the U.S. is calculated will likely make it harder for many Americans to get loans.Fair Isaac Corp., FICO -1.39% creator of FICO scores, will soon start scoring consumers with rising debt levels and those who fall behind on loan payments more harshly. It will also flag certain consumers who
- [Family Finances: Consumers have few weapons to battle credit bureaus](https://creditreportlawgroup.com/2019/11/06/news/family-finances-consumers-have-few-weapons-to-battle-credit-bureaus_bl38986/) - Have you ever found yourself fuming at the credit bureaus? You have plenty of company.https://www.chicagotribune.com/business/sns-201910101456--tms--kplngmpctnkm-a20191022-20191022-story.html
- [Frank W. Abagnale, famed Con Artist, explains the Equifax data breach - Big Think](https://creditreportlawgroup.com/2019/10/25/news/frank-w-abagnale-famed-con-artist-explains-the-equifax-data-breach-big-think_bl38913/) - Hackers look for open doors. If your personal data isn't protected, it's that much easier to compromise your identity.https://bigthink.com/videos/data-breach
- [Free electronic credit monitoring coming soon to the military](https://creditreportlawgroup.com/2019/11/01/news/free-electronic-credit-monitoring-coming-soon-to-the-military_bl38948/) - Starting October 31, many members of the military will have access to a free tool to help spot identity theft. https://www.consumer.ftc.gov/blog/2019/10/free-electronic-credit-monitoring-coming-soon-military?utm_source=govdelivery
- [Hairdresser, Plumber, Lawyer: A Job License Could Help You Get a Loan](https://creditreportlawgroup.com/2019/11/12/news/hairdresser-plumber-lawyer-a-job-license-could-help-you-get-a-loan_bl39028/) - A new credit score will soon factor in consumers’ rent payments and professional licenses to help them get approved for loans.https://www.wsj.com/articles/hairdresser-plumber-lawyer-a-job-license-could-help-you-get-a-loan-11573041600
- [Here is the 1 credit card you should almost always avoid](https://creditreportlawgroup.com/2019/11/11/credit-cards/here-is-the-1-credit-card-you-should-almost-always-avoid_bl39018/) - When you shop at retailers in-store or online, chances are you’ve been asked at checkout if you want to apply for a store card. They frequently come with tempting offers — sign up and get a huge discount on your purchase — but there are several drawbacks to consider before you apply.https://www.cnbc.com/select/why-you-should-almost-always-avoid-store-credit-cards/
- [How The Economic Machine Works](https://creditreportlawgroup.com/2020/04/07/news/how-the-economic-machine-works_bl39890/) - https://www.youtube.com/watch?v=PHe0bXAIuk0 "The important part of the economy is credit." So explains Ray Dalio in this informative video "How The Economic Machine Works." Are your credit reports accurate? Don't wait until you need more credit to find out. Consumers can obtain their credit reports for free at annualcreditreport.com. Consumers have powerful rights under the federal Fair Credit
- [How does getting married affect your credit?](https://creditreportlawgroup.com/2019/12/03/credit-cards/how-does-getting-married-affect-your-credit_bl39088/) - First comes love. Then comes marriage. Then comes many discussions about how you should manage your finances as a couple. Getting married is a big life milestone and a great chance to take stock of your financial situation — that includes your credit cards. https://www.cnbc.com/select/how-does-getting-married-affect-your-credit/
- [How to get a free credit report](https://creditreportlawgroup.com/2019/12/10/credit-scores/how-to-get-a-free-credit-report_bl39151/) - Monitoring your credit report is a smart and simple way to be proactive about your finances. Checking your credit report regularly can help you spot fraud early and ensure the correct information is reported to the credit bureaus. https://www.cnbc.com/select/how-to-get-free-credit-report/
- [Justice Department indicts four members of China’s military for Equifax hack](https://creditreportlawgroup.com/2020/02/10/cybercrime/justice-department-indicts-four-members-of-chinas-military-for-equifax-hack_bl39465/) - After the initial breach was announced on September 7, 2017, law enforcement officials and investigators turned their attention to China’s military. This was due in part to the fact that the Equifax data has never been found for sale on underground internet forums that usually involve the trade in this type of data to criminals
- ["Lifelock’s Marketing Stunt Went Terribly, Laughably Wrong” by Sean Kernan](https://creditreportlawgroup.com/2020/05/05/news/lifelocks-marketing-stunt-went-terribly-laughably-wrong-by-sean-kernan-_bl40080/) - 37% of pandemic-related complaints about credit cards happened between March 16 and May 20. Click here for more on how Citi is helping their customers!
- [Major Consumer Protections Announced  in Response to COVID-19  *UPDATED WITH CARES ACT*](https://creditreportlawgroup.com/2020/04/06/legislation/major-consumer-protections-announced-in-response-to-covid-19-_updated-with-cares-act__bl39871/) - The National Consumer Law Center released an article detailing new protections the US government has put in place due to the pandemic. Click here for more info.
- [Major Consumer Protections Announced in Response to COVID-19](https://creditreportlawgroup.com/2020/03/31/legislation/major-consumer-protections-announced-in-response-to-covid-19_bl39843/) - The CARE Act provides minimal consumer protections. Click here for detailed information on its effects to you and your credit.
- [Man surprised to receive over 50K letters saying same thing](https://creditreportlawgroup.com/2020/02/05/news/man-surprised-to-receive-over-50k-letters-saying-same-thing_bl39420/) - Are computer errors (or even "coding errors") affecting your credit reports? Consumers can check their credit reports for free at annualcreditreport.com for free credit reports or purchase your credit reports and scores at myfico.com.https://www.cnn.com/videos/us/2020/02/04/man-receives-thousands-letters-student-loan-company-ots-vpx.hln/video/playlists/atv-trending-videos/
- [N.J. is being sued over new law requiring credit reports in Spanish, 10 other languages](https://creditreportlawgroup.com/2019/10/24/news/n-j-is-being-sued-over-new-law-requiring-credit-reports-in-spanish-10-other-languages_bl38912/) - A trade association representing credit bureaus Equifax, Experian and TransUnion has sued New Jersey to block a new law that requires them to make credit reports available in Spanish and 10 other languages.https://www.nj.com/news/2019/10/nj-sued-over-new-law-requiring-credit-reports-in-spanish-10-other-languages.html
- [Reed & Van Hollen Introduce the Consumer Credit Control Act](https://creditreportlawgroup.com/2019/10/31/legislation/reed-van-hollen-introduce-the-consumer-credit-control-act_bl38940/) - Reed & Van Hollen Introduce the Consumer Credit Control ActWASHINGTON, DC – In an effort to empower consumers and put Americans in control of their personal information and credit reports, U.S. Senators Jack Reed (D-RI) and Chris Van Hollen (D-MD) today introduced the Consumer Credit Control Act. This bill would amend the Fair Credit Reporting Act
- [Robots Are Taking Over (the Rental Screening Process)](https://creditreportlawgroup.com/2019/12/02/news/robots-are-taking-over-the-rental-screening-process_bl39080/) - For decades, when you applied for an apartment, the landlord—or a tenant screening company hired by the landlord—would examine your credit file and pay stubs to verify your ability to pay rent. But today, landlords are using the artificial intelligence revolution to predict something else: Your willingness to pay rent.https://www.wsj.com/articles/robots-are-taking-over-the-rental-screening-process-11574332200?mod=hp_listc_pos3
- [Secret Service warns of scams, disinformation campaigns around spread of coronavirus](https://creditreportlawgroup.com/2020/03/18/cybercrime/secret-service-warns-of-scams-disinformation-campaigns-around-spread-of-coronavirus_bl39716/) - "There already is a high level of anxiety over the potential spread of coronavirus," FTC chairman Joe Simons said in a statement. "What we don't need in this situation are companies preying on consumers by promoting products with fraudulent prevention and treatment claims. These warnings are just the first step. We're prepared to take enforcement
- ['Social credit score': China set to roll out 'Orwellian' mass surveillance tool](https://creditreportlawgroup.com/2019/12/13/news/social-credit-score-china-set-to-roll-out-orwellian-mass-surveillance-tool_bl39180/) - The system that critics call an Orwellian national-level control system has been dubbed the Social Credit System (SCS) and was set for launch in the coming year, although recent reports from China now say the rollout could be delayed until 2021.The massive system has been tested in several major Chinese cities and uses millions of
- [Statement of Senate Intel Vice Chair Mark R. Warner on Charges Against Chinese Spies for Hacking Equifax](https://creditreportlawgroup.com/2020/02/12/news/statement-of-senate-intel-vice-chair-mark-r-warner-on-charges-against-chinese-spies-for-hacking-equifax_bl39499/) - “That said, the indictment does not detract from the myriad of vulnerabilities and process deficiencies that we saw in Equifax’s systems and response to the hack. A company in the business of collecting and retaining massive amounts of Americans’ sensitive personal information must act with the utmost care – and face any consequences that arise
- [Supreme Court's CFPB case potentially impacts anyone with credit card debt or a mortgage](https://creditreportlawgroup.com/2020/03/04/consumer-financial-protection-bureau-cfpb/supreme-courts-cfpb-case-potentially-impacts-anyone-with-credit-card-debt-or-a-mortgage_bl39584/) - Supreme Court’s ruling on the CFPB could erase nearly a decade of consumer protections from credit card fee limits to mortgage transparency. Learn more.
- [Tax Identity Theft Awareness Week starts today](https://creditreportlawgroup.com/2020/02/05/news/tax-identity-theft-awareness-week-starts-today_bl39421/) - Happy Tax Identity Theft Awareness Week! Join us for our half-hour webinar on the basics of pretecting your idenity in this shifting digital landscape.
- [This woman says Equifax mixed up her father’s credit report and ‘destroyed’ his life — and now she hopes to convince a jury](https://creditreportlawgroup.com/2019/11/05/credit-report-errors/this-woman-says-equifax-mixed-up-her-fathers-credit-report-and-destroyed-his-life-and-now-she-hopes-to-convince-a-jury_bl38971/) - An incorrect credit report kept a man in desperate need of money from helping his sick wife. Click here to read more about the story of James Rennick.
- [U.S. Charges 4 Chinese Military Officers in 2017 Equifax Hack](https://creditreportlawgroup.com/2020/02/25/cybercrime/u-s-charges-4-chinese-military-officers-in-2017-equifax-hack_bl39549/) - KrebsOnSecurity has long maintained that the 2017 breach at Equifax was not the work of financially-motivated identity thieves, as there has been exactly zero evidence to date that anything close to the size of the data cache stolen from that incident has shown up for sale in the cybercrime underground.However, readers should understand that there
- [Want to get your Coronavirus relief check? Scammers do too.](https://creditreportlawgroup.com/2020/04/02/cybercrime/want-to-get-your-coronavirus-relief-check-scammers-do-too-_bl39862/) - The COVID-19 pandemic has brought an increase in scams and misinformation. The latest scam involves stimulus checks. Click here to protect yourself.
- [We asked a hacker to try and steal a CNN tech reporter's data. Here's what happened](https://creditreportlawgroup.com/2019/10/23/news/we-asked-a-hacker-to-try-and-steal-a-cnn-tech-reporters-data-heres-what-happened_bl38904/) - https://www.cnn.com/2019/10/18/tech/reporter-hack/index.htmlTo check your credit reports for signs of identity theft, visit annualcreditreport.com for free credit reports or purchase them directly from each bureaus website (Equifax.com , Experian.com , TransUnion.com , Innovis.com ).
- [Weekly Free Credit Reports Available](https://creditreportlawgroup.com/2020/04/23/credit-scores/weekly-free-credit-reports-available-_bl40013/) - A reminder from Adam G. Singer Law, free credit reports available every week, not just once a year. Click here for more information on your free credit report!
- [What Can You Do With Your Gym Membership If the State Shuts Down Facilities in COVID-19 Emergency Order?](https://creditreportlawgroup.com/2020/03/18/legislation/what-can-you-do-with-your-gym-membership-if-the-state-shuts-down-facilities-in-covid-19-emergency-order_bl39726/) - The pandemic has put a financial strain on many of us. Even the smallest ways like pausing your gym membership to save money can add up. Learn more.
- [What Consumers Need to Know About New Credit Reporting Protections re: Mortgage Payments](https://creditreportlawgroup.com/2020/04/23/credit-report-errors/what-consumers-need-to-know-about-new-credit-reporting-protections-re-mortgage-payments_bl40005/) - The CARES act has brought changes to consumer credit and protections for mortgage payments. Click here for more information!
- [What happens when you miss a credit card payment?](https://creditreportlawgroup.com/2019/11/19/credit-cards/what-happens-when-you-miss-a-credit-card-payment_bl39048/) - Wonder how a late payment affects consumers differently? See a sample comparison by FICO.https://www.cnbc.com/select/what-happens-when-you-miss-a-credit-card-payment/As you can see, the higher your credit score, the greater negative effect a 30- or 90-day missed credit card payment has on your account. That’s because someone with a lower credit score already has their past behavior reflected in their score.
- [Which Credit Score Do Lenders Actually Use?](https://creditreportlawgroup.com/2019/11/27/credit-scores/which-credit-score-do-lenders-actually-use_bl39072/) - Not much has changed over the years in terms of consumers' challenges in obtaining the same credit score that lenders obtain. Here's an article from 2017 in Forbes highlighting the issue: https://www.forbes.com/sites/robertberger/2017/01/06/which-credit-score-do-lenders-actually-use/#25a206b30b15Fair Isaac, for example, will sell you access to your FICO scores through its site myfico.com. In fact, it will give you access to "28 of
- [Why Your Credit Score Could Drop](https://creditreportlawgroup.com/2020/01/30/credit-scores/why-your-credit-score-could-drop_bl39380/) - The Credit Report Law Group specializes in helping individuals obtain compensation and justice for credit report errors. Visit our website to learn more.
- [An Alarming Number of People are Complaining about their Citi Credit Card Accounts](https://creditreportlawgroup.com/2020/06/26/credit-cards/an-alarming-number-of-people-are-complaining-about-their-citi-credit-card-accounts_bl40463/) - Check out our blog today on problems with Citi and Synchrony Bank credit cards. We are dedicated to consumer advocacy regardless of the case. Learn more
- [FBI Warns of Potential Fraud in Antibody Testing for COVID-19](https://creditreportlawgroup.com/2020/07/01/identity-theft/fbi-warns-of-potential-fraud-in-antibody-testing-for-covid-19/) - Fraudulent and/or unapproved COVID-19 antibody tests have fallen into the hands of scammers. Click here for more information to protect yourself from scams!
- [Supreme Court Orders Restructuring of Consumer-Finance Watchdog - The Wall Street Journal](https://creditreportlawgroup.com/2020/07/02/news/supreme-court-orders-restructuring-of-consumer-finance-watchdog-the-wall-street-journal/) - The supreme court has called for a complete restructuring of Consumer Financial Protection Bureau. Click here to see how the changes affect you!
- [Fake Emails about Fake Money from a Fake COVID-19 Fund](https://creditreportlawgroup.com/2020/07/06/identity-theft/fake-emails-about-fake-money-from-a-fake-covid-19-fund/) - The panic that came with the pandemic has left people desperate for information and financial resources. Protect yourself from phishing scams. Learn more!
- [Reminder - Free Credit Reports](https://creditreportlawgroup.com/2020/08/05/credit-scores/reminder-free-credit-reports/) - Check out our blog on credit reports from annualcreditreport.com. Our firm provides legal services for consumer class actions, debt harassment, and more.
- [Banks Have No Idea Who’s Creditworthy Anymore - The Wall Street Journal](https://creditreportlawgroup.com/2020/07/02/credit-cards/banks-have-no-idea-whos-creditworthy-anymore-the-wall-street-journal/) - The economic turmoil that came to the pandemic the definition of creditworthiness has changed. Click here for information on changes to consumer lending!
- [Study: CFPB complaints shattered records in 2020, exposing how the COVID-19 pandemic battered consumer finances](https://creditreportlawgroup.com/2021/03/09/consumer-financial-protection-bureau-cfpb/study-cfpb-complaints-shattered-records-in-2020-exposing-how-the-covid-19-pandemic-battered-consumer-finances/) - Check out tour new blog on the CFPB. Our law firm is dedicated to helping our clients with issues regarding credit report errors, identity theft, and more.
- [Free Weekly Credit Reports Available Now!](https://creditreportlawgroup.com/2021/03/10/news/free-weekly-credit-reports-available-now/) - The Law Offices of Adam G. Singer is dedicated to helping consumers who have been affected by harmful credit report errors. Visit our website to learn more.
- [Why the Pandemic May Be Hurting Your Credit Score- Consumer Reports](https://creditreportlawgroup.com/2021/03/17/news/why-the-pandemic-may-be-hurting-your-credit-score-consumer-reports/) - Check out our blog on credit scores. Our law firm provides the best legal services for credit report errors, identity theft, employment, and more.
- [What to Know About the Facebook Data Leak - The Wall Street Journal.](https://creditreportlawgroup.com/2021/04/08/news/what-to-know-about-the-facebook-data-leak-the-wall-street-journal/) - https://www.wsj.com/articles/was-my-facebook-data-leaked-what-you-need-to-know-11617751579 More identity theft, more ways for thieves to access credit in another consumer's name. Consumers can still get free weekly credit reports from https://www.annualcreditreport.com/index.action for free credit reports.
- [Why everyone should know their FICO credit score](https://creditreportlawgroup.com/2021/04/29/news/why-everyone-should-know-their-fico-credit-score/) - The Credit Report Law Group specializes in helping individuals obtain compensation and justice for credit report errors. Visit our website to learn more.
- [The FTC reached the largest settlement to date in a credit reporting action.](https://creditreportlawgroup.com/2021/05/12/news/the-ftc-reached-the-largest-settlement-to-date-in-a-credit-reporting-action/) - Was this sufficient compensation? The FTC alleged that some Vivint sales representatives used a process known as “white paging,” which involved finding another consumer with the same or a similar name on the White Pages app and using that consumer’s credit history to qualify the prospective unqualified customer. Vivint sales representatives also sometimes asked customers
- [Amazon Faced 75,000 Arbitration Demands. Now It Says: Fine, Sue Us](https://creditreportlawgroup.com/2021/06/02/news/amazon-faced-75000-arbitration-demands-now-it-says-fine-sue-us/) - Forced arbitration being turned on its head. Hopefully consumers will see the end of forced arbitration sooner than later. https://www.wsj.com/articles/amazon-faced-75-000-arbitration-demands-now-it-says-fine-sue-us-11622547000?mod=hp_lead_pos6 Adam Zimmerman, a professor at Loyola Law School who studies class actions, said Amazon’s move could cause other companies to consider scrapping arbitration. But a wave of change is unlikely, he said, because lawsuits create
- [Erroneous Information On Your Credit Reports? It May Be A Case Of Mixed Files](https://creditreportlawgroup.com/2021/06/22/credit-report-errors/erroneous-information-on-your-credit-reports-it-may-be-a-case-of-mixed-files/) - Unfortunately, individuals sharing similar names can have their credit reports mixed together and affect both individuals. Click here to learn more.
- [Someone Else’s Bad Credit Information Can Appear On Your Credit Report When You Have A Very Common Name—What Can You Do About It?](https://creditreportlawgroup.com/2021/06/15/identity-theft/someone-elses-bad-credit-information-can-appear-on-your-credit-report-when-you-have-a-very-common-name-what-can-you-do-about-it/) - You’ve worked hard to build your credit, you’ve paid your bills on time, and you’ve responsibly increased card limits over time. Finally, it’s time to apply for a car loan, a mortgage, or even a new job and reap the benefits. But then the representative comes back, and your application has been denied because of
- [Sins Of The Father: How Your Dad's Credit Woes Can Become Yours, Especially if You're a "Junior"](https://creditreportlawgroup.com/2021/07/06/credit-report-errors/sins-of-the-father-how-your-dads-credit-woes-can-become-yours-especially-if-youre-a-junior/) - Individuals named after their father could have the issue of suffering lower credit due to their father's issues. Learn more about this issue.
- [Wayward Son: How Your Son's Credit Woes Can Become Yours, Especially if You're a "Senior"](https://creditreportlawgroup.com/2021/07/18/credit-report-errors/wayward-son-how-your-sons-credit-woes-can-become-yours-especially-if-youre-a-senior/) - Mixed file cases can occur if family members share a similar name and are affected by the others' credit. Learn more about mixed credit cases.
- [Calling All Twins: Make Sure Your Sibling Pays Their Bills](https://creditreportlawgroup.com/2021/08/15/credit-report-errors/calling-all-twins-make-sure-your-sibling-pays-their-bills/) - Siblings are more likely to deal with credit report errors than any other due to surnames. Click here for information on avoiding mix credit reports.
- [Data Breaches at Dunkin’ Donuts Continue to Affect Consumer Credit](https://creditreportlawgroup.com/2021/08/30/news/data-breaches-at-dunkin-donuts-continue-to-affect-consumer-credit/) - America runs on...data? If you stopped in at a Dunkin’ Donuts location between 2015 and 2019, there’s a good chance that you paid a hefty price for that cold-brew coffee or glazed kruller. That may be in part because the popular pastry chain was targeted by hackers who gained illicit access to customers’ Dunkin-branded payment
- [Live in a Packed, Ethnic Neighborhood? You May Be at Higher Risk of Credit Report Mistakes Causing Havoc on Your File](https://creditreportlawgroup.com/2021/09/14/credit-report-errors/live-in-a-packed-ethnic-neighborhood-you-may-be-at-higher-risk-of-credit-report-mistakes-causing-havoc-on-your-file/) - Risk Factors for Mixed Files—Names and Neighborhoods One of the major types of credit report errors is a mixed file, which occurs when the credit reporting agencies combine information from multiple individuals. This error often occurs when individuals share similar names, social security numbers, addresses, birth dates, or other demographic details. The credit reporting agencies
- [Credit Reports: Not As Accurate As You Might Think](https://creditreportlawgroup.com/2021/09/30/credit-scores/credit-reports-not-as-accurate-as-you-might-think/) - Credit reports can give great insight on your standing with lenders but aren't always accurate. Some things take time to show up or leave. Click here for more.
- [Nightmare Stories of Identity Theft](https://creditreportlawgroup.com/2021/10/15/identity-theft/nightmare-stories-of-identity-theft/) - identity theft can impact your entire life and make reaching some of life's goals like buying cars or houses more difficult. Click here for more information.
- [How Do You Collect Damages for Identity Theft?](https://creditreportlawgroup.com/2021/10/29/identity-theft/how-do-you-collect-damages-for-identity-theft/) - Collecting restitution for identity theft can be difficult but not impossible. A good lawyer can get you the results you need. Click here for more information.
- [Frustrated, Furious, or Depressed Because of a Credit Report Glitch? How to Fix It, Fast!](https://creditreportlawgroup.com/2021/11/15/news/frustrated-furious-or-depressed-because-of-a-credit-report-glitch-how-to-fix-it-fast/) - Fixing errors on your credit report can be difficult. Let the attorneys at The Credit Report Law Group help. Click here to learn more.
- [The Mixed-Up Files of Equifax, Experian, and TransUnion: What Happens When You and Your Neighbor Have the Same Name](https://creditreportlawgroup.com/2021/11/30/news/the-mixed-up-files-of-equifax-experian-and-transunion-what-happens-when-you-and-your-neighbor-have-the-same-name/) - Mixed credit files can be quite the hassle, and also damaging to your credit report. If you need assistance, contact a qualified attorney today. Click here.
- [Consumer Financial Protection Bureau Issues Advisory About Name-Only Background Screening](https://creditreportlawgroup.com/2021/12/05/news/consumer-financial-protection-bureau-issues-advisory-about-name-only-background-screening/) - The Consumer Financial Protection Bureau has issued an advisory about name-only background screenings. Click here for more about the announcement!
- [Mistaken Identities on a Credit Report: An All-too Common Problem for People with Common Names…  (and Those with Unusual Ones, Too….)](https://creditreportlawgroup.com/2021/12/07/news/mistaken-identities-on-a-credit-report-an-all-too-common-problem-for-people-with-common-names-and-those-with-unusual-ones-too/) - The rise of mistaken identities has created an increase in credit reporting errors, horribly affecting the credit scores across the US. Click here for more information!
- ['Buy Now, Pay Later' -  Why These Programs May Distort Your Credit Score](https://creditreportlawgroup.com/2022/01/11/news/buy-now-pay-later-why-these-programs-may-distort-your-credit-score/) - That "buy now, pay later" offer at check-out probably did not explain that these “easy payment” programs can wreak havoc on your credit score. Learn more here!
- [When Expunged Records Still Show Up on a Background Check](https://creditreportlawgroup.com/2022/01/18/news/when-expunged-records-still-show-up-on-a-background-check/) - Unfortunately, inaccurate employment or criminal background checks are an all-too-common problem. But you can take steps to change it. Click here for more!
- [Equifax Free Credit Monitoring Due to the Company’s Data Breach](https://creditreportlawgroup.com/2022/02/12/news/equifax-free-credit-monitoring-due-to-the-companys-data-breach/) - In 2017, credit bureau Equifax was hacked, and the records of approximately 147 million people were compromised. Unsurprisingly, lawsuits were filed, and, as part of a court settlement, those impacted by the breach were ultimately offered a choice between a one-time payment of $125 or four years of free credit monitoring. It may seem like
- [Why Aren’t Credit Bureaus More Careful in Vetting Your Records?](https://creditreportlawgroup.com/2022/02/28/news/why-arent-credit-bureaus-more-careful-in-vetting-your-records/) - Last summer, Consumer Reports asked 5,858 volunteers to ask for their credit report and examine it for any errors. And more than one-third of them did indeed find at least one error on their credit report. And this wasn’t the only time Consumer Reports and others have found such damaging results. And those errors matter;
- [Common Complaints about Credit Bureaus](https://creditreportlawgroup.com/2022/03/23/news/common-complaints-about-credit-bureaus/) - This past January, the Consumer Financial Protection Bureau (CFPB) issued an annual report analyzing more than 700,000 consumers’ complaints about the three national credit bureaus, Equifax, Experian, and TransUnion. According to the report, “In 2021, the NCRAs reported relief in less than 2% of complaints down from nearly 25% of complaints in 2019.” The unfortunate
- [Credit Bureaus Will No Longer Report Most Medical Debt](https://creditreportlawgroup.com/2022/03/31/news/credit-bureaus-will-no-longer-report-most-medical-debt/) - In mid-March, all three major credit bureaus—Equifax, Experian, and TransUnion—announced they would no longer include most medical collection debt on people’s credit reports. This is a major change that should have everyone checking their credit reports. According to the Washington Post, the credit bureaus will be taking steps to change how they report medical debt
- [What Should You Do If You Have Medical Debt on Your Credit Report? (Part 1)](https://creditreportlawgroup.com/2022/04/12/news/what-should-you-do-if-you-have-medical-debt-on-your-credit-report-part-1/) - Medical debt on your credit report may hurt your chances of acquiring favorable financing for your next loan. We may be able to help you. Learn more.
- [What Should You Do If You Have Medical Debt on Your Credit Report? (Part 2)](https://creditreportlawgroup.com/2022/04/24/news/what-should-you-do-if-you-have-medical-debt-on-your-credit-report-part-2/) - Medical debt is an all-too-common issue on credit reports. Don't let it hold you back. Contact us today to learn how we may help you improve your credit report.
- [Reporting of Collections Tradelines (Part 1)](https://creditreportlawgroup.com/2022/05/10/news/reporting-of-collections-tradelines-part-1/) - An estimated 220 million U.S. consumers have at least one credit report maintained by the major credit bureaus of Expedia, Equifax, and TransUnion. And of these millions of consumers, one out of three have what’s known as a “collections tradeline” included in their reports. Yet most Americans may not even know what a tradeline is,
- [Reporting of Collections Tradelines (Part 2)](https://creditreportlawgroup.com/2022/05/10/news/reporting-of-collections-tradelines-part-2/) - Read part 1 by clicking here! While the prevalence and impact of collection debts on credit reports are clear, what’s even more of a concern is how often mistakes are made. And this flawed reporting is having an impact on consumers’ lives. Currently, there are no accepted or enforceable standards for when or why debt
- [Consumer Reporting Complaints (Part 1)](https://creditreportlawgroup.com/2022/06/07/news/consumer-reporting-complaints-part-1/) - The Consumer Financial Protection Bureau (CFPB) is required to gather information relating to the credit reporting industry and submit an annual report to Congress about its findings. In years past, the CFPB included this information in another larger report. But the number of complaints against Experian, TransUnion, and Equifax—the national credit reporting agencies (NCRAs)—skyrocketed in
- [Consumer Reporting Complaints (Part 2)](https://creditreportlawgroup.com/2022/06/21/news/consumer-reporting-complaints-part-2/) - Read part 1 by clicking here! From January 2020 to September 2021, CFPB received more than 700,000 consumer complaints about Experian, TransUnion, and Equifax—the national credit reporting agencies (NCRAs). But the number of successfully resolved complaints dropped to just 5%. Why? According to a recent report by the Consumer Financial Protection Bureau (CFPB), one reason
- [Can You Tell the Difference Between Identity Theft and Mixed Files?](https://creditreportlawgroup.com/2022/06/24/news/can-you-tell-the-difference-between-identity-theft-and-mixed-files/) - You may be familiar with the problem of identity theft. But can you tell apart identity theft, and a “mixed file” issue where a credit reporting agency (“CRA”) mixes up the credit history of two or more people? Making the distinction can be very important for deciding how to respond. How Can I Tell if
- [Data Breaches and Protecting Against Identity Theft](https://creditreportlawgroup.com/2022/07/05/news/data-breaches-and-protecting-against-identity-theft/) - On August 17th 2021 the mobile phone company T-Mobile revealed that they had discovered a cyberattack had exposed certain personal information of around 7.8 million current customers, and information about around 40 million former customers to bad actors. The data included names, dates of birth, social security, and driver's license or identification information. Financial, credit
- [Common Customer Complaints about Credit Reporting Bureaus (Part 1)](https://creditreportlawgroup.com/2022/07/13/news/common-customer-complaints-about-credit-reporting-bureaus-part-1/) - By law, the Consumer Financial Protection Bureau (CFPB) issues an annual report analyzing consumers’ complaints made to CFPB. The number of complaints has exploded in recent years, and it’s just a tiny fraction of the complaints made directly to the relevant companies. And it’s worth looking at some of the findings relating to those complaints.
- [Common Customer Complaints about Credit Reporting Bureaus (Part 2)](https://creditreportlawgroup.com/2022/07/29/news/common-customer-complaints-about-credit-reporting-bureaus-part-2/) - In our last post (click here to read part 1), we looked at the dramatic increase in consumers’ complaints against the national credit bureaus, Experian, Equifax, and TransUnion. But, of course, we need to do more than know the number of complaints we need to pay attention to. We also want to examine the types
- [Understanding Section 611(e) of the Fair Credit Reporting Act](https://creditreportlawgroup.com/2022/08/15/consumer-financial-protection-bureau-cfpb/understanding-section-611e-of-the-fair-credit-reporting-act/) - If you’re one of the hundreds of thousands of American consumers frustrated by problems with their credit reports—maintained by one of the nation’s three largest credit bureaus, Experian, Equifax, and TransUnion—you may wonder if there’s anything you can do. But there are ways to repair your credit. Let’s briefly look at one such tool: Section
- [Incidence and Types of Collection Tradelines on Credit Reports](https://creditreportlawgroup.com/2022/08/31/news/incidence-and-types-of-collection-tradelines-on-credit-reports/) - Many consumers don’t even know what a “collection tradeline” is, but the reality is that collection tradelines may impact your life daily. A “collection tradeline” is the term for when a creditor or collection agency report of a delinquent debt appears on your credit report. Having a collections tradeline on your report influences your credit
- [How Debt Collectors Furnish Data to Credit Bureaus (Part One)](https://creditreportlawgroup.com/2022/09/12/news/how-debt-collectors-furnish-data-to-credit-bureaus-part-one/) - According to a report by the Consumer Financial Protection Bureau (CFPB), debt collectors provide vast amounts of data to the three national credit bureaus—Experian, Equifax, and TransUnion. The bureaus then use the debt collectors’ data in calculating the credit reports (and credit scores) of 220 million consumers. And concerningly, the CFPB has identified critical issues
- [How Debt Collectors Furnish Data to Credit Bureaus (Part Two)](https://creditreportlawgroup.com/2022/09/28/news/how-debt-collectors-furnish-data-to-credit-bureaus-part-two/) - If you haven't yet, read part 1! Though tradelines—reports of outstanding debts—can considerably impact a consumer’s credit report and credit score, a report by the Consumer Financial Protection Bureau (CFPB) reveals that debt collection reporting is uneven and suspect. Updating the information on a credit report often does not depend on the debt resolution. Instead,
- [The Impact of Identity Theft on Consumer Credit Reports (Part One)](https://creditreportlawgroup.com/2022/10/04/news/the-impact-of-identity-theft-on-consumer-credit-reports-part-one/) - The impact of identity theft on consumer credit reports has caused significant issues to many people around the world. Find out how you can avoid this.
- [The Impact of Identity Theft on Consumer Credit Reports (Part Two)](https://creditreportlawgroup.com/2022/10/17/news/the-impact-of-identity-theft-on-consumer-credit-reports-part-two/) - If identity theft has damaged your credit report, the Credit Report Law Group can assist you and explain how to avoid this issue from occurring in the future.
- [Japanese-Americans Face Unique Credit Issues Due to Their Surnames](https://creditreportlawgroup.com/2022/12/13/news/japanese-americans-face-unique-credit-issues-due-to-their-surnames/) - If you had to guess, which U.S. city has the largest population of Japanese-Americans? There’s a good chance you said “San Francisco,” and that’s not far off—but San Fran, or “Soko,” as it was known to the first wave of Japanese immigrants, only comes in third. Honolulu tops the list, followed closely by second-place Los
- [Are You Indian-American? Here’s Why You Need to Check Your Credit Report with a Microscope](https://creditreportlawgroup.com/2022/12/20/news/are-you-indian-american-heres-why-you-need-to-check-your-credit-report-with-a-microscope/) - India is well-known as one of the world’s most populous countries, with just under 1.4 billion people calling that South Asian nation home—but Indians are living all over the globe, of course, and the Indian diaspora is the largest in the world. As of 2020, there are 18 million Indians living outside of their home
- [Germans in America: Fun Facts, Possible Problems](https://creditreportlawgroup.com/2022/12/27/news/germans-in-america-fun-facts-possible-problems/) - The story of German people in America is as old as the story of America itself. Most people know that immigrants from all over Europe flocked to the United States in the 1800s, but the German population here had some 200 years of American life under their belts by then. A few of the notable
- [No Need To Buy A Vowel: Most Popular Italian Surnames](https://creditreportlawgroup.com/2023/01/03/news/no-need-to-buy-a-vowel-most-popular-italian-surnames/) - You’re probably aware that many Italian surnames have a vowel as the final letter, but the number of them that end with an A, E, I, or O might surprise you. Of the top 100 Italian surnames, 96 fit that convention! Piras, de Angelis, de Santis, and Dal are the only four that do not
- [When Married Couples Have the Same Name](https://creditreportlawgroup.com/2023/01/17/news/when-married-couples-have-the-same-name/) - Recently, the Wall Street Journal had an article about married couples who wound up having the same name. And this issue may become more common as names previously considered male or female become gender-neutral. For example, in November of 2022, movie star Taylor Lautner married Taylor Dome, who became Mrs. Taylor Lautner. While the article
- [What Do I Do? My Credit Report Says I’m Dead](https://creditreportlawgroup.com/2023/01/31/news/hyundai-must-pay-more-than-19-million-for-furnishing-incorrect-information-to-credit-bureaus/) - Last year, a 91-year-old Marylander had the shock of her life. She discovered that, according to the Social Security Administration, she was already dead. This wasn’t just comical. It immediately impacted her life because, since she was “dead,” she was no longer eligible for the retirement benefits that she lived on. And she isn’t the
- [Hyundai Must Pay More than $19 Million for Furnishing Incorrect Information to Credit Bureaus](https://creditreportlawgroup.com/2023/01/24/news/hyundai-must-pay-more-than-19-million-for-furnishing-incorrect-information-to-credit-bureaus-2/) - Last year, the Consumer Financial Protection Bureau (CFPB) ordered Hyundai Capital America (HCA) to pay more than $19 million in penalties for giving inaccurate information to the financial credit bureaus—making this the CFPB’s largest case against an automotive servicer for violations of the Fair Credit Reporting Act. Of the penalties, $13 million will impact Hyundai
- [What Do I Do? My Credit Report Says I’m Dead](https://creditreportlawgroup.com/2023/02/07/news/what-do-i-do-my-credit-report-says-im-dead/) - Last year, a 91-year-old Marylander had the shock of her life. She discovered that, according to the Social Security Administration, she was already dead. This wasn’t just comical. It immediately impacted her life because, since she was “dead,” she was no longer eligible for the retirement benefits that she lived on. And she isn’t the
- [Is There Help Coming for Consumers Impacted by Hurricane Fiona and Ian?](https://creditreportlawgroup.com/2023/02/14/news/is-there-help-coming-for-consumers-impacted-by-hurricane-fiona-and-ian/) - It was clear from the stunning news footage and other coverage that Hurricane Ian and Hurricane Fiona caused enormous physical damage to their communities. Houses were leveled, businesses were left in rubble, and streets became rivers. But, as people lose their homes and jobs or have to wait until insurance checks arrive, the bills somehow
- [Credit Bureaus Under Increasing Scrutiny from Feds and Consumers Alike](https://creditreportlawgroup.com/2023/02/21/news/credit-bureaus-under-increasing-scrutiny-from-feds-and-consumers-alike/) - A little-known governmental entity—the Consumer Financial Protection Bureau (CFPB)—plays a significant, if unnoticed, role in American consumers’ lives. And it could get even bigger. That’s because one of the CFPB’s chief responsibilities is tracking, analyzing, and investigating consumers’ complaints against the national credit reporting agencies. It’s becoming increasingly clear there’s a concern with credit reporting,
- [T-Mobile Data Breach May Hit Almost 37 Million Customer Accounts](https://creditreportlawgroup.com/2023/02/28/news/t-mobile-data-breach-may-hit-almost-37-million-customer-accounts/) - It wasn’t yet Groundhog Day, but news at the end of January felt all too familiar. T-Mobile announced that it has been investigating yet another major data breach. Initial reports are that this hack has potentially compromised the information relating to 37 million accounts, roughly a third of T-Mobile’s customers. This is the second time
- [Amateur Golfer Gets Invited to the Masters: Mistakes Like That on Rare on a Golf Course But Common on a Credit Report](https://creditreportlawgroup.com/2023/03/07/news/amateur-golfer-gets-invited-to-the-masters-mistakes-like-that-on-rare-on-a-golf-course-but-common-on-a-credit-report/) - Scott Stallings, a Georgia real estate agent, was amazed to open his mail and discover that he’d been invited to play in the Masters, one of the world’s most prestigious golf tournaments. While Stallings is an amateur golfer, once he’d recovered from the shock of receiving the invitation, he and his wife Jennifer realized the
- [New Report Shows Progress in the Fight Against Credit Bureau Errors and More—But We Aren’t Done Yet](https://creditreportlawgroup.com/2023/03/14/news/new-report-shows-progress-in-the-fight-against-credit-bureau-errors-and-more-but-we-arent-done-yet/) - On January 3, 2023, the Consumer Financial Protection Bureau (CFPB) released a new report assessing the state of the nation’s credit reporting system, particularly the work of the three national credit bureaus, Experian, Equifax, and TransUnion. Compared to last year’s dismal report, the results are encouraging. While there is still a ton of work to be
- [CFPB Wants to Tackle Form Contracts](https://creditreportlawgroup.com/2023/03/21/news/cfpb-wants-to-tackle-form-contracts/) - On January 11, 2023, the Consumer Financial Protection Bureau (CFPB) announced that it is considering the creation of an online, public database of the form contracts being used by “nonbanks,” companies that aren’t banks but provide financial services to their customers (such as a car company that provides loans). According to the CFPB, these nonbanks
- [How Americans Lost $603 Billion by Sticking With Big Banks](https://creditreportlawgroup.com/2023/02/20/news/how_americans_lost_603_billion_with_big_banks/) - We tend to assume that big banks like Citi, Bank of America, Wells Fargo, U.S. Bank, and Chase treat us fairly when we deposit our money with them. Relentless advertisements, featuring smiling families and beloved celebrities, are designed to make us, dare I say, trust these big banks. That trust is totally unwarranted. The Wall Street Journal recently explained how consumers
- [What Is “Synthetic Identify Theft” and How Can It Impact Me?](https://creditreportlawgroup.com/2023/04/18/news/what-is-synthetic-identify-theft-and-how-can-it-impact-me/) - “Synthetic identity theft” is when a fraudster combines real information about someone—such as a Social Security number—and information they’ve created about an entirely fake person. They then use these “Frankenstein IDs” to commit theft. Some analysts have concluded that synthetic identity theft is the fastest-growing financial crime in the United States. At the same time,
- [Collections Information Declines on Credit Reports—But There’s More to the Story](https://creditreportlawgroup.com/2023/04/11/news/collections-information-declines-on-credit-reports-but-theres-more-to-the-story/) - The Consumer Financial Protection Bureau (CFPB) recently issued an analysis of debt collection appearing on consumers’ credit reports. On the one hand, the findings are a positive sign: Consumers’ financial well-being seems to be improving. But on the other hand, the analysis shows that false and inaccurate information on credit reports continues to be a real
- [What Happens When Two Women Share a Social Security Number? Financial Chaos Ensues](https://creditreportlawgroup.com/2023/04/04/news/what-happens-when-two-women-share-a-social-security-number-financial-chaos-ensues/) - Recently, NBC News covered an incredible story of mistaken identity. Or, perhaps, to put it more accurately, it’s a story of “mixed identity.” Two women share the same name (Jieun Kim), age, and same date of birth. Both were born in South Korea and later emigrated to the U.S.—one woman moving to Los Angeles, the
- [Free Credit Reports Have Been an Invaluable Tool for Consumers—But They Could Be Ending](https://creditreportlawgroup.com/2023/03/28/news/free-credit-reports-have-been-an-invaluable-tool-for-consumers-but-they-could-be-ending/) - In April 2020, as the nation began to shut down because of the COVID pandemic, the three national credit bureaus—Experian, Equifax, and TransUnion—jointly announced they would allow Americans to get free credit reports every week. However, there are indications that the bureaus may end the policy by the end of this year. Consumer advocates are
- [Most Popular Irish Surnames](https://creditreportlawgroup.com/2023/04/25/news/most-popular-irish-surnames/) - They say that everyone is a little bit Irish on St. Patrick’s Day, but what about the folks who are Irish all year long? Today we’re taking a look at some of the most common Irish surnames, as well as the meanings behind those family names. Murphy Ireland’s most common surname means “descendant of sea
- [What To Do When Your Credit Report Has a Wrong Account On It](https://creditreportlawgroup.com/2023/05/16/news/what-to-do-when-your-credit-report-has-a-wrong-account-on-it/)
- [CFPB Orders Portfolio Recovery to Pay More than $24 Million (Part 1)](https://creditreportlawgroup.com/2023/05/02/news/cfpb-orders-portfolio-recovery-to-pay-more-than-24-million-part-1/) - In March 2023, the Consumer Financial Protection Bureau announced that it was ordering Portfolio Recovery Associates (PRA) to pay millions to consumers. The Bureau stated that PRA had been engaging in numerous violations of law. And what made the order even more surprising is that PRA had already been fined in 2015 for other violations—so
- [CFPB Orders Portfolio Recovery to Pay More than $24 Million (Part 2)](https://creditreportlawgroup.com/2023/05/09/news/cfpb-orders-portfolio-recovery-to-pay-more-than-24-million-part-2/) - In March 2023, the Consumer Financial Protection Bureau announced an order against Portfolio Recovery Associates (PRA), one of the nation’s largest debt collection agencies. In our previous post, we addressed how PRA had violated a previous order and provisions of the Fair Credit Reporting Act. In this post, we’ll explore how this order affects impacted
- [A Record Year of Complaints for the Three National Credit Bureaus](https://creditreportlawgroup.com/2023/05/23/news/a-record-year-of-complaints-for-the-three-national-credit-bureaus/) - Credit Bureaus are the worst. That isn’t just hyperbole. That’s the finding from a new U.S. PIRG Education Fund analysis. Confirming what you already knew, PIRG reviewed complaints made to U.S. financial firms—regarding everything from student loans to credit cards. And PIRG concluded that the “Big 3” credit bureaus received more complaints than any other
- [New Report Reviews the Biggest Data Breaches of 2022 (and so far, for 2023)](https://creditreportlawgroup.com/2023/05/30/news/new-report-reviews-the-biggest-data-breaches-of-2022-and-so-far-for-2023/) - It’s astonishing how frequently revelations of a data breach have hit the news. But these events are so frequent they may get less media coverage than they warrant. That can hurt consumers—because if you’re not aware of breaches, you won’t know that your data has been compromised and take steps to protect yourself from identity
- [Credit Bureaus Removing Some Medical Debt from Credit Reports](https://creditreportlawgroup.com/2023/06/06/news/credit-bureaus-removing-some-medical-debt-from-credit-reports/) - In May 2022, the three national credit bureaus, Experian, Equifax, and TransUnion, removed unpaid medical debts of less than $500 from American consumers’ reports. According to the government’s Consumer Financial Protection Bureau (CFPB), this move will impact approximately 22.8 million consumers. While more needs to be done, this is a major step in the right direction.
- [Common French Surnames Can Cause Credit History Problems](https://creditreportlawgroup.com/2023/06/13/news/common-french-surnames-can-cause-credit-history-problems/) - Throughout the history of art and culture, the French put a lot of meaning in their names. Sadly, these names can cause issues on credit reports. Learn more.
- [Popular English Surnames Can Lead to Credit Report Problems](https://creditreportlawgroup.com/2023/06/20/news/popular-english-surnames-can-lead-to-credit-report-problems/) - English surnames like Smith, Jones, Taylor, or Brown are so common that they cause confusion in your credit reporting. Let us help.
- [People of Polish Ancestry Should Check Their Credit Files](https://creditreportlawgroup.com/2023/06/27/news/people-of-polish-ancestry-should-check-their-credit-files/) - Polish surnames have a deep and rich history that involves lots of tradition. Unfortunately, these names can cause issues in credit reports. Learn more.
- [Mexican-Americans Should Watch Their Credit Files for Erroneous Information](https://creditreportlawgroup.com/2023/07/04/news/mexican-americans-should-watch-their-credit-files-for-erroneous-information/) - Mexican-Americans take great pride in their family lineage, but compound surnames can cause mistakes in your credit reports. We can help.
- [How Those with Arabic Names Are More Likely to Have Errors in Credit Reports](https://creditreportlawgroup.com/2023/07/11/news/how-those-with-arabic-names-are-more-likely-to-have-errors-in-credit-reports/) - Errors in addressing those with Arabic names can have real consequences on their financial security and credit report accuracy. Learn more.
- [Why Having a Vietnamese Name Can Result in a Problem with Your Credit](https://creditreportlawgroup.com/2023/07/18/news/why-having-a-vietnamese-name-can-result-in-a-problem-with-your-credit/) - In Vietnamese culture, surnames are profoundly meaningful and have lots of symbolism, but they can cause financial security problems in the US. Learn more.
- [What You Need to Know about Child Identity Theft](https://creditreportlawgroup.com/2023/07/25/news/what-you-need-to-know-about-child-identity-theft/) - While many parents will get a Social Security Number for their child, it may be many years before the child uses their identification for financial purposes (e.g., opening a bank account). In the intervening time, the dormancy of children’s information makes kids an ideal target for identity thieves. The children’s underlying data is real, but
- [How Will the End of Student Loan Forbearance Impact Debtors’ Credit](https://creditreportlawgroup.com/2023/08/01/news/how-will-the-end-of-student-loan-forbearance-impact-debtors-credit/) - At the height of the Covid pandemic, the Department of Education gave all those who held federal student loans an automatic forbearance. Debtors were not charged interest on their loans and were not required to repay them during the pandemic. However, interest on student loans will begin to accumulate again, starting September 1, 2023, and
- [Four Ways AI Scams Can Impact Your Credit Score](https://creditreportlawgroup.com/2023/08/08/news/four-ways-ai-scams-can-impact-your-credit-score/) - For all of the hoopla there has been about how ChatGPT and other Artificial Intelligence (AI) applications can increase efficiencies and create terrific new content, there’s another darker side to AI. It can also help fraudsters and identity thieves be more effective, too. Let’s review four ways that AI scams can impact your credit score.
- [Government Investigating Equifax Compliance with Reporting Requirements](https://creditreportlawgroup.com/2023/08/15/news/government-investigating-equifax-compliance-with-reporting-requirements/) - Consumers are used to Equifax scrutinizing their credit activity and using the information to generate credit reports and credit scores that impact so much of their lives—from the interest rates credit card companies charge to the ability to get a job. And studies by the Consumer Financial Protection Bureau (CFPB) found that, unfortunately, many consumers
- [What Do I Do If One Debt Is Listed Multiple Times on My Credit Report?](https://creditreportlawgroup.com/2023/08/22/news/what-do-i-do-if-one-debt-is-listed-multiple-times-on-my-credit-report/) - Having debt on your credit report is a fact of American financial life. But what happens if the same debt is listed multiple times on your report? As the Consumer Finance Protection Bureau (CFPB) has explained, this is not a “harmless error.” That’s because credit bureaus don’t recognize all these entries as duplicates showing the
- [What If My Child Has Debt on Their Credit Report?](https://creditreportlawgroup.com/2023/08/29/news/what-if-my-child-has-debt-on-their-credit-report/) - There’s no law or policy that establishes that children must reach a minimum age before the national credit bureaus begin compiling a credit file on them. (That’s why children can be the victims of identity theft—because fraudsters can use their identities to open bank accounts and credit cards in their names.) So what if a
- [The Pitfalls of “Credit Repair”](https://creditreportlawgroup.com/2023/09/05/deceptive-acts-and-practices/the-pitfalls-of-credit-repair/) - In June 2023, the New York Times Sunday Magazine looked inside the chaotic world of “credit repair” companies. The feature tells the story-after-story of how bad credit can ruin people’s financial lives—pushing them to the brink, financially and psychologically. It reveals how credit scores have ties to serious racial and sociological inequity. It explores how
- [Harmful Data Broker Practices—What Can Be Done to Protect American Consumers](https://creditreportlawgroup.com/2023/09/12/consumer-financial-protection-bureau-cfpb/harmful-data-broker-practices-what-can-be-done-to-protect-american-consumers/) - As many as 40 million Americans have errors on their credit reports—and errors on credit reports can cause havoc on someone’s financial well-being, leading them to have potentially higher interest rates on credit cards, mortgages, and car loans. It can even impact their ability to rent an apartment or get a job. Meanwhile, despite the
- [CFPB’s Multibillion-Dollar Settlement with Credit Repair Firms](https://creditreportlawgroup.com/2023/09/19/consumer-financial-protection-bureau-cfpb/cfpbs-multibillion-dollar-settlement-with-credit-repair-firms/) - On August 28, 2023, the Consumer Financial Protection Bureau (CFPB) announced that it had reached a $2.7 billion settlement with Lexington Law and CreditRepair.com to resolve allegations that the companies have been violating federal law with their telemarketing practices. As the nation’s two largest “credit repair” companies, the companies earned approximately $388 million in revenue
- [Wells Fargo Fake Accounts Plague Consumers](https://creditreportlawgroup.com/2023/09/26/deceptive-acts-and-practices/wells-fargo-fake-accounts-plague-consumers/) - In 2016, Wells Fargo made headlines when it paid $110 million to settle a class action lawsuit and another $185 million in fines relating to allegations that the bank had created as many as 2 million accounts for customers without getting their permission to do so. Then, in December 2022, it paid a whopping $3.7
- [What Does a Credit Report Attorney Do for Their Clients?](https://creditreportlawgroup.com/2024/12/09/news/what-does-a-credit-report-attorney-do-for-their-clients/) - Maintaining an accurate credit report is crucial for securing loans, mortgages, and employment opportunities in today's financial landscape. However, errors and inaccuracies can occur, potentially jeopardizing one's economic standing. This is where a credit report attorney becomes invaluable. Focusing on consumer protection laws, these legal professionals assist clients in navigating the complexities of credit reporting,
- [Understanding Credit Report Errors: Causes, Impacts, and How to Fix Them](https://creditreportlawgroup.com/2024/12/23/credit-report-errors/understanding-credit-report-errors-causes-impacts-and-how-to-fix-them/) - Credit reports are essential tools lenders, employers, landlords, and insurers use to assess an individual's financial reliability. They compile data on credit accounts, payment histories, and public records to generate a comprehensive profile of a person's creditworthiness. However, inaccuracies—known as credit report errors—can infiltrate these reports, potentially leading to adverse financial consequences. Understanding Credit Report
- [Employment Background Check Errors: Know Your Rights and How to Fix Them](https://creditreportlawgroup.com/2025/01/10/news/employment-background-check-errors-know-your-rights-and-how-to-fix-them/) - Employment background checks have a large part of the outcome of the selection of a candidate for a job posting. Your potential employer will utilize a background check to make sure your work history and credentials are true. An issue that has many people in past job selection processes is that their background reports contained
- [How to Spot and Resolve Identity Theft-Related Errors on Your Credit Report](https://creditreportlawgroup.com/2025/01/17/identity-theft/how-to-spot-and-resolve-identity-theft-related-errors-on-your-credit-report/) - Identity theft is one of the most troubling experiences a consumer can face, often leaving victims not only emotionally shaken but also burdened with complicated financial consequences. When an identity thief uses your personal information to open fraudulent credit accounts, it can quickly lead to errors on your credit report. These inaccuracies may impact your
- [Understanding the Fair Credit Reporting Act (FCRA)](https://creditreportlawgroup.com/2025/03/14/news/understanding-the-fair-credit-reporting-act-fcra/) - Your credit report is a critical part of your identity in terms of your finances. This will essentially affect everything from getting approved for a loan to even potential job opportunities. However, errors in credit reporting are more common than you might think, and they can have serious consequences. Fortunately, the Fair Credit Reporting Act
- [The Devastating Impact of Mixed File Credit Reports—and How to Fight Back](https://creditreportlawgroup.com/2025/08/22/credit-reports/the-devastating-impact-of-mixed-file-credit-reports-and-how-to-fight-back/) - Learn how mixed file credit reports can harm your financial life and what steps to take to fix errors. Discover your legal rights under the FCRA and how to reclaim your future.
- [How Data Breaches Can Tank Your Credit Score—And What to Do About It](https://creditreportlawgroup.com/2025/08/29/credit-scores/how-data-breaches-can-tank-your-credit-score-and-what-to-do-about-it/) - Learn how data breaches can damage your credit score and discover legal steps to protect yourself. Stay ahead of identity theft risks in 2025.
- [Fixing Credit Report Errors and Protecting Yourself from Identity Theft](https://creditreportlawgroup.com/2025/09/05/credit-report-errors/fixing-credit-report-errors-and-protecting-yourself-from-identity-theft/) - Learn how to dispute errors, protect against identity theft, and use your FCRA rights to fix your credit report.
- [How to Fix Background Check Errors: A Step-by-Step Game Plan](https://creditreportlawgroup.com/2025/09/12/background-check-errors/how-to-fix-background-check-errors-a-step-by-step-game-plan/) - Don’t let mistakes in your background report cost you a job or apartment. Learn how to use the background check dispute process to correct background check errors fast.
- [How a Data Breach Can Affect Your Credit Report](https://creditreportlawgroup.com/2025/09/26/credit-reports/how-a-data-breach-can-affect-your-credit-report/) - Learn how a data breach can impact your credit report and what legal steps you can take to protect your identity and financial reputation.
- [Why You Should Work With a Consumer Attorney Instead of a Credit Repair Company](https://creditreportlawgroup.com/2025/10/03/credit-report-errors/why-you-should-work-with-a-consumer-attorney-instead-of-a-credit-repair-company/) - Discover why hiring a consumer attorney is smarter than using a credit repair company. Get real legal help fixing credit report errors.

## Pages

- [Home](https://creditreportlawgroup.com/) - The Credit Report Law Group fights to ensure that our clients are protected & compensated for credit report errors. Click here to learn what we can do for you.
- [Firm Philosophy](https://creditreportlawgroup.com/firm-philosophy/) - At the Law Offices of Adam G. Singer, we combine professionalism, diligence & unyielding passion for our clients. Visit our website to learn more about us.
- [Consultation Request](https://creditreportlawgroup.com/consultation-request/) - Request a consultation with the Credit Report Law Group to address credit report errors, identity theft, or deceptive financial practices. Learn more today.
- [Credit Report Errors](https://creditreportlawgroup.com/credit-report-errors/) - If you have errors on your credit report that require legal action, the law office of Adam G. Singer is here to help. Click here to learn more!
- [Tenant / Housing Background Check Errors](https://creditreportlawgroup.com/tenant-housing-background-check-errors/) - The law office of Adam Singer can help you take action if a background check error is preventing you from finding housing. Click here to learn more!
- [Mixed File Credit Reports](https://creditreportlawgroup.com/mixed-file-credit-reports/) - If you have had files mixed up with someone else on your credit report, you have options. Let the Credit Report Law Group help you today. Learn more.
- [Data Breaches](https://creditreportlawgroup.com/data-breaches/) - Were you the victim of a data breach? Know your rights. Let the Credit Report Law Group
- [What data is being reported about me?](https://creditreportlawgroup.com/what-data-is-being-reported-about-me/) - You have the right at no charge to see what is being reported in your credit reports and in background checks. Click here to learn more and what to do about errors.
- [Why Choose a Consumer Attorney Instead of "Credit Repair"](https://creditreportlawgroup.com/why-choose-a-consumer-attorney-instead-of-credit-repair/) - At The Credit Report Law Group, we differ from a credit repair firm. We work to correct your credit. For more information about our services click here today.
- [Employment & Criminal Background Checks](https://creditreportlawgroup.com/employment-criminal-background-checks/) - The Credit Report Law Group is dedicated to helping individuals denied housing or employment due to damaging inaccuracies in background checks.
- [Identity Theft and Credit Report Errors](https://creditreportlawgroup.com/identity-theft-and-credit-report-errors/) - Identity Theft is a serious issue that can damage your credit for years. Let Adam G. Singer, PLLC, represent your case by calling one of our NY offices today.
- [Contact Us](https://creditreportlawgroup.com/contact-us/) - The Law Office Of Adam G. Singer, is dedicated to getting you the legal help you need when you need it. Call our NYC, Suffern, or White Plains office today.
- [In the Media](https://creditreportlawgroup.com/in-the-media/) - Attorney Adam G. Singer has been sited in multiple news stories from widely respected outlets. Here is a short list of examples. Click here to learn more.
- [Testimonials](https://creditreportlawgroup.com/testimonials/) - The Law Offices of Adam G. Singer offers legal services for those dealing with credit report errors & background check errors. See what our clients have to say.
- [About Adam G. Singer](https://creditreportlawgroup.com/about-adam-g-singer/) - Adam Singer leads the team of expert attorneys at the Law Offices of Adam G. Singer, specializing in credit report errors & background check errors. Learn more about Adam.
- [Careers](https://creditreportlawgroup.com/careers/) - Join Credit Report Law Group and advance your legal career. Explore top career opportunities at NYC’s leading credit report law firm today.
- [Consumer Class Actions for Deceptive Acts and Practices](https://creditreportlawgroup.com/consumer-class-actions-for-deceptive-acts-and-practices/) - The Credit Report Law Group protects consumers through class action lawsuits against false advertising, deceptive financial practices, and more. Find out more.
- [Areas We Serve](https://creditreportlawgroup.com/areas-we-serve/) - The Law Office Of Adam G. Singer, PLLC fights to ensure that our clients are protected and compensated for. See the many locations we serve.
- [Mount Vernon, NY](https://creditreportlawgroup.com/areas-we-serve/mount-vernon-ny/) - The Law Offices of Adam G. Singer offers legal services for those dealing with credit report errors & background check errors in Mount Vernon, NY. Learn more.
- [Practice Areas](https://creditreportlawgroup.com/practice-areas/) - Looking for a lawyer specializing in consumer advocacy? Adam G. Singer, PLLC, in Suffern, NY practices credit error, ID theft & more. Contact his office today.
- [Homeowner Advocacy in Home Improvement and Construction Contract Cases](https://creditreportlawgroup.com/homeowner-advocacy-in-home-improvement-and-construction-contract-cases/) - The Credit Report Law Group is dedicated to helping those who have been victimized by unscrupulous home improvement and construction contractors.
- [Full Review](https://creditreportlawgroup.com/full-review/) - The Credit Report Law Group is dedicated to helping individuals who have been victimized by identity theft obtain compensation and justice.
- [White Plains, NY](https://creditreportlawgroup.com/areas-we-serve/white-plains-ny/) - Adam Singer offers its services to the White Plains, NY area. We specialize in credit report errors and will fight to make it right for you. Click here!
- [Tuckahoe, NY](https://creditreportlawgroup.com/areas-we-serve/tuckahoe-ny/) - The law office of Adam G. Singer provides its services to the Tuckahoe, NY area. We specialize in cases involving credit report errors. Learn more!
- [Pomona, NY](https://creditreportlawgroup.com/areas-we-serve/pomona-ny/) - Adam G. Singer provides legal services to the Pomona, NY area. Our law firm specializes in credit report error cases. To learn more, click here!
- [Scarsdale, NY](https://creditreportlawgroup.com/areas-we-serve/scarsdale-ny/) - The law office of Adam G. Singer provides its services to the Scarsdale, NY area. We specialize in cases involving credit report errors. Click here!
- [Credit Card Fraud](https://creditreportlawgroup.com/credit-card-fraud/) - The Credit Report Law Group is dedicated to helping individuals who have been the victim of credit card fraud. Let out team protect your rights. Learn more.
- [Spring Valley, NY](https://creditreportlawgroup.com/areas-we-serve/spring-valley-ny/) - The Credit Report Law Group offer our services to Spring Valley, NY. Our firm specializes in credit report error cases. To learn more, click here!
- [Yonkers, NY](https://creditreportlawgroup.com/areas-we-serve/yonkers-ny/) - The Credit Report Law Group provides its services to Yonkers, NY. We specialize in cases involving credit report errors. For more information, click here!
- [Disclaimer](https://creditreportlawgroup.com/disclaimer/)
- [Staten Island, NY](https://creditreportlawgroup.com/areas-we-serve/staten-island-ny/) - Adam Singer offers its services for those in Staten Island, NY. We specialize in credit report errors and will fight for you. Click here to learn more!
- [Queens NY](https://creditreportlawgroup.com/areas-we-serve/queens-ny/) - The Law Offices of Adam G. Singer offer services for credit report errors in the Queens, NY area. Don't suffer for a mistake on a credit report. Click here!
- [Westchester County NY](https://creditreportlawgroup.com/areas-we-serve/westchester-county-ny/) - Law Offices of Adam G. Singer offers legal services for those dealing with credit report errors & background check errors in Westchester County, NY. Learn more.
- [Rockland County NY](https://creditreportlawgroup.com/areas-we-serve/rockland-county-ny/) - The Law Offices of Adam G. Singer offers services for those dealing with credit report errors & background check errors in Rockland County, NY. Learn more.
- [Debt Collection Harassment / Debt Defense](https://creditreportlawgroup.com/debt-collection-harassment-debt-defense/) - The Credit Report Law Group is dedicated to helping individuals with debt defense and those who have been harassed by debt collection agencies.
- [FAQ](https://creditreportlawgroup.com/faq/) - The Credit Report Law Group specializes in legal recourses for credit report errors, identity theft & debt defense. Call or visit our website to learn more!
- [Bronx NY](https://creditreportlawgroup.com/areas-we-serve/bronx-ny/) - Adam G. Singer offers its services for those affected by a credit report error in the Bronx, NY area. For more information on our services, click here!
- [New Rochelle, NY](https://creditreportlawgroup.com/areas-we-serve/new-rochelle-ny/) - Adam G. Singer provides law services to the New Rochelle, NY area. We specialize in credit report error cases. For more information on our services, click here!
- [Manhattan NY](https://creditreportlawgroup.com/areas-we-serve/manhattan-ny/) - The Law Offices of Adam G. Singer offers legal services for those dealing with credit report errors & background check errors in Manhattan, NY. Learn more.
- [New City, NY](https://creditreportlawgroup.com/areas-we-serve/new-city-ny/) - The Credit Report Law Group offer services to the New City, NY area. We specialize in credit report error cases. For more information, click here!
- [Orange County NY](https://creditreportlawgroup.com/areas-we-serve/orange-county-ny/) - The Law Offices of Adam G. Singer offers legal services for those dealing with credit report errors & background check errors in Orange County, NY. Learn more.
- [Mamaroneck, NY](https://creditreportlawgroup.com/areas-we-serve/mamaroneck-ny/) - Adam G. Singer provides legal services to the Mamaroneck, NY area. Our law firm specializes in credit report error cases. To learn more, click here!
- [Brooklyn NY](https://creditreportlawgroup.com/areas-we-serve/brooklyn-ny/) - The Law Offices of Adam G. Singer offers legal services for those dealing with credit report errors & background check errors in Brooklyn, NY. Learn more.
- [Newburgh, NY](https://creditreportlawgroup.com/areas-we-serve/newburgh-ny/) - Adam G. Singer provides legal services to the Newburgh, NY area. Our law firm specializes in credit report error cases. To learn more, click here!

## Testimonials

- [Wholeheartedly Recommend Adam Singer](https://creditreportlawgroup.com/testimonial/wholeheartedly-recommend-adam-singer-snippet/) - Adam and his team guided me through the credit report correction process step-by-step, ensuring I understood every stage. Their expertise and attention to detail gave me the confidence to navigate the complexities of credit repair, knowing I had a knowledgeable legal advocate. Thanks to Adam’s unwavering dedication and the relentless efforts of his team, the
- [Wholeheartedly Recommend Adam Singer](https://creditreportlawgroup.com/testimonial/wholeheartedly-recommend-adam-singer/) - I am forever grateful to Adam Singer and his remarkable law firm for their life-changing impact on my financial stability as a struggling single parent. Their unwavering support, professionalism, and exceptional results have resolved credit report errors and paved the way for a brighter future for me and my two children.I was desperate and skeptical
- [Excellent Attorney for Consumer Credit Issues](https://creditreportlawgroup.com/testimonial/excellent-attorney-for-consumer-credit-issues/) - My ex-husband had fraudulently signed my signature on numerous documents and had caused extensive credit damage. I had spoken to numerous attorneys who all advised me to simply file bankruptcy. Being an ethical person I did not feel that I should accept responsibility for something that I did not do. I tried to fight a
- [Life Saver](https://creditreportlawgroup.com/testimonial/life-saver-2/) - Credit Report Law Group saved my wife and my daughter 7 years of grief. Chase Manhattan Bank was about to report a late payment on both their credit reports which was due to no fault of our own on a car loan. In fact we made 5 years worth of payments without a single late
- [Impeccable communication skills](https://creditreportlawgroup.com/testimonial/impeccable-communication-skills/) - I sought a legal consumer attorney for assistance in removing errors off my credit report that will help potentially improve my FICO score and up my chances in getting approve for a mortgage to buy property. The Credit Report Law Group came highly recommended and the 5 stars reviews was justified. The advantages of doing
- [...extremely intelligent, knowledgeable, and hands on...](https://creditreportlawgroup.com/testimonial/extremely-intelligent-knowledgeable-and-hands-on/) - Mr. Adam Singer is one of those rare attorneys you will meet in your life. Not only is he extremely intelligent, knowledgeable, and hands on, but in addition, he is DEDICATED to his client. Mr. Singer involves the client throughout the whole process; beginning to end. He is constantly emailing and phoning the client to
- [Strongly recommend this lawyer](https://creditreportlawgroup.com/testimonial/strongly-recommend-this-lawyer/) - This man, Attorney Singer did an Astounding job. He Has provided me with great assistance and Helped me beat the case. I strongly recommend this lawyer to others. He is remarkably reliable.
- [Credit Repair and Identity Theft](https://creditreportlawgroup.com/testimonial/credit-repair-and-identity-theft/) - In 2017, I assisted my mother in looking for an attorney to dispute charges that were found on her credit report regarding a vehicle and the loan associated with it. I would say that finding Mr. Adam Singer and his firm was nothing short of sheer luck. After consulting with Mr. Singer on what was
- [Dedicated and professional](https://creditreportlawgroup.com/testimonial/dedicated-and-professional/) - I hired Adam and his team to work on a case involving credit report misrepresentation and identity theft. The journey has been really smooth and pleasant.
- [Excellent advice and great first consultation](https://creditreportlawgroup.com/testimonial/excellent-advice-and-great-first-consultation/) - Dealing with Adam Singer [...] was an absolute pleasure. These people are professionals and it shows. Beautiful estate location as well. Excellent advice and great first consultation. We were able to resolve an issue with the credit bureaus where my credit was being affected big time due to fraudulent accounts (Familiar Fraud). Mr. Singer [...]
- [Knowledgeable professionals & experts at what they do.](https://creditreportlawgroup.com/testimonial/knowledgeable-professionals-experts-at-what-they-do/) - Dealing with Adam Singer [...] was an absolute pleasure. These people are professionals and it shows. Beautiful estate location as well. Excellent advice and great first consultation. We were able to resolve an issue with the credit bureaus where my credit was being affected big time due to fraudulent accounts (Familiar Fraud). Mr. Singer [and
- [Adam gets the highest endorsement I can give...](https://creditreportlawgroup.com/testimonial/adam-gets-the-highest-endorsement-i-can-give-2/) - "We were two people against one of the biggest banks in the US. We had done everything within our power to remedy the error, and its repercussions. We felt we were out of options. At this point we were referred to Adam... A testament to Adam’s legal work and meticulous preparation. I can’t recommend Adam
- [Puts the needs of his clients first...](https://creditreportlawgroup.com/testimonial/puts-the-needs-of-his-clients-first-2/) - "Adam really puts the needs of his clients first and is a thoughtful communicator. I would say all of this notwithstanding the final result, which was highly satisfactory. I strongly recommend Adam Singer for anyone needing assistance with complex cases involving credit bureaus and large financial institutions."
- [I would not hesitate to recommend Adam for any litigation needs...](https://creditreportlawgroup.com/testimonial/i-would-not-hesitate-to-recommend-adam-for-any-litigation-needs/) - Adam is a top notch attorney who knows how to think outside the box. He successfully managed two cases for me with great results. He is detail-oriented, organized, and fought for me every step of the way. I would not hesitate to recommend Adam for any litigation needs.
- [I recommend him without reservation.](https://creditreportlawgroup.com/testimonial/i-recommend-him-without-reservation/) - Adam Singer has handled a number of matters for me over the past several years. Most recently he filed and aggressively pursued a complaint against a Fortune 100 corporation and their related entities. The case involved a breach of the Fair Credit Reporting and the Fair Credit Billing Acts, was filed in Federal Court in
- [Highly Qualified](https://creditreportlawgroup.com/testimonial/highly-qualified/) - Mr. Singer has represented me on two occasions. He has excellent communication skills, an ability to think outside the box, and is extremely trustworthy. It's refreshing working with someone who is attentive, responsive, and listens to their client. Given his professionalism and ability to produce results, I would recommend his services to anyone contemplating litigation.
- [Excellent!](https://creditreportlawgroup.com/testimonial/excellent/) - Mr Singer was very prompt and quick with answers to my questions and concerns. He was also extremely knowledgeable and was able to effectively provide excellent service. I would highly recommend him!!
- [Excellent service](https://creditreportlawgroup.com/testimonial/excellent-service/) - He handled my legal affairs with thoroughness and stayed on top on all aspects of my case. He was able to give myself and my family peace of mind that our case was being handled correctly. I would highly recommend.
- [Legal Acumen and Quality Service](https://creditreportlawgroup.com/testimonial/legal-acumen-and-quality-service/) - I was referred to Adam Singer and was very impressed by his extensive knowledge of consumer litigation. Adam took the time to explain both best/worst case scenarios regarding my legal matter versus a home improvement contractor, which made me appreciate his legal acumen that much more. He did not dance around the problem and speak
- [Highly Recommended](https://creditreportlawgroup.com/testimonial/highly-recommended/) - Upon searching for a lawyer I was recommended to Adam through a friend of a friend. Usually, or at least in my case, turns out to be a nightmare. NOT THIS TIME!!! I was truly impressed with Adam's grasp of my situation and his way of explaining things in an informative way without all the
- [Extremely Impressive](https://creditreportlawgroup.com/testimonial/extremely-impressive/) - Mr. Singer deposed me in a lawsuit several years ago. Mr. Singer 's professionalism was extremely impressive. His command of the examination was praiseworthy. I had complete confidence in his skills and expertise.I felt thoroughly prepared and comfortable in this tense situation.
- [Professional and great results](https://creditreportlawgroup.com/testimonial/professional-and-great-results/) - Adam secured a great result for a malpractice suit against a horribly negligent lawyer. He was very professional and I am very glad that I chose him.
- [Incredible Advocate, Strategist and Client-focused](https://creditreportlawgroup.com/testimonial/incredible-advocate-strategist-and-client-focused/) - I am an attorney who sought out Adam Singer to represent a family member in connection with a difficult and sensitive consumer matter. Adam successfully blended extremely strong negotiation skills with legal acumen and personal attention and he achieved a great and fair result. Throughout the representation, Adam was extremely thoughtful and mindful of all
- [So much better-informed for the meeting, thank you!](https://creditreportlawgroup.com/testimonial/so-much-better-informed-for-the-meeting-thank-you/) - The generous provision of your time greatly settled my mind and probably saved me paying fees to more aggressive, action-oriented attorneys. Thank you for putting my best interests first.
- [Incredible Attorney in every respect](https://creditreportlawgroup.com/testimonial/incredible-attorney-in-every-respect/) - Adam is a one of a kind attorney who is compassionate, genuine and caring - while being an aggressive warrior for his clients causes. He worked tirelessly for us on a very complex case and thanks to his perseverance and skill, we achieved our objective against high odds. He is a true pleasure to work
- [The best attorney!](https://creditreportlawgroup.com/testimonial/the-best-attorney/) - Adam is a top notch attorney who knows how to think outside the box. He successfully managed two cases for me with great results. He is detail-oriented, organized, and fought for me every step of the way. I would not hesitate to recommend Adam for any litigation needs.
- [Superior knowledge and service](https://creditreportlawgroup.com/testimonial/superior-knowledge-and-service/) - Adam is serving as the successor Trustee for my estate. I chose Adam to serve as a Trustee because of his exemplary work history as an attorney, and because of his personal ethics.
- [Prompt Correspondence](https://creditreportlawgroup.com/testimonial/prompt-correspondence/) - I left a voicemail for attorney Adam Singer and he followed through with me the same day. He was kind enough to provide me with insight about an inquiry I had as well as point me in the right direction about a class action settlement lawsuit I had questions to. Very polite, very respectful and
- [Superb Consumer Lawyer](https://creditreportlawgroup.com/testimonial/superb-consumer-lawyer/) - Adam was superb. His firm helped me understand my rights under the FCRA. I would highly recommend him to anyone with credit report errors.
- [Integrity and Excellence](https://creditreportlawgroup.com/testimonial/integrity-and-excellence/) - I consulted with Adam on a past potential litigation. He provided astute advice and I was impressed with his demeanor and tremendous attention to detail. Although I did not need to ultimately to pursue the matter, Adam would be my first choice to defend my interests if the need ever arose.
- [Great Attorney](https://creditreportlawgroup.com/testimonial/great-attorney/) - Mr. Singer was great, He got right on my problem and resolved it quickly. I will always use him for all my legal matters. I wish there could be more attorneys like him.
- [Adam G. Singer is professional grade!](https://creditreportlawgroup.com/testimonial/adam-g-singer-is-professional-grade/) - Adam was very calm and confident in the midst of my consumer credit nightmare. Adam put together a plan of action to work with the credit reporting agencies and my creditors. Most importantly, Adam was very thorough in his plan and followed up frequently to see that all went smoothly. I highly recommend Adam to
- [Don't hesitate](https://creditreportlawgroup.com/testimonial/dont-hesitate/) - Upon searching for a lawyer I was recommended to Adam through a friend of a friend. Usually, or at least in my case, turns out to be a nightmare. NOT THIS TIME!!! I was truly impressed with Adam's grasp of my situation and his way of explaining things in an informative way without all the
- [Solid](https://creditreportlawgroup.com/testimonial/solid-2/) - Adam Singer has handled a number of matters for me over the past several years. Most recently he filed and aggressively pursued a complaint against a Fortune 100 corporation and their related entities. The case involved a breach of the Fair Credit Reporting and the Fair Credit Billing Acts, was filed in Federal Court in
- [Excellent](https://creditreportlawgroup.com/testimonial/excellent-2/) - Very quick to contact back, took the time to listen to my concerns and offered me the best expert advice. I felt very comfortable speaking with him in detail and although I am not sure if I will go through with litigation in regards to my case, if I do Adam will be the lawyer
- [Stellar!](https://creditreportlawgroup.com/testimonial/stellar/) - Adam's expertise, honesty, integrity & sincerity are just a few of his many qualities. His professionalism & attention to detail coupled with his law background are outstanding. He helped correct a mortgage company's major error and his service was, as he, stellar.
- [Puts the needs of his clients first](https://creditreportlawgroup.com/testimonial/puts-the-needs-of-his-clients-first/) - We hired Adam to represent us with a complex and big case: Our bank mistakenly misapplied one of our mortgage payments, which had a devastating and inaccurate impact on our credit score with the credit bureaus. Adam did an excellent job for us, in multiple areas: 1. He set us up for success from the
- [Best Decision of Our Life](https://creditreportlawgroup.com/testimonial/best-decision-of-our-life/) - We are happy to say we made the best decision of our life hiring Adam. We are from Kentucky and we were in a bad situation to where my identity got stolen and we just couldn't get any help in our area to get anything done about the situation. We begin to google the best
- [Superb Consumer Lawyer](https://creditreportlawgroup.com/testimonial/superb-consumer-lawyer-2/) - Adam was superb. His firm helped me understand my rights under the FCRA. I would highly recommend him to anyone with credit report errors.
- [Positive Experience](https://creditreportlawgroup.com/testimonial/positive-experience/) - Mr. Adam Singer is very honest and straight forward and seems to strive his best to help you. He communicates efficiently, effectively and responds to you asap. I had contacted several attorneys last night and this morning he replied to my email and called me immediately. Although at the moment I didn't retain his services,
- [Credit Attorney](https://creditreportlawgroup.com/testimonial/credit-attorney/) - Adam helped me to secure stipulation of discontinuances for 2 lawsuits from fraudulent use of credit cards. He was professional and courteous.
- [Credit Report Error](https://creditreportlawgroup.com/testimonial/credit-report-error/) - I had called to consult about a credit repair issue that seemed to have been more involved and complicated than just credit repair. Adam Singer listened, inquired, and kept in touch by directing me further in my legal process and consulting with a multitude of other attorneys on my behalf to give me answers. He
- [Highly Recommend](https://creditreportlawgroup.com/testimonial/highly-recommend/) - I retained Adam upon recommendation from a friend in connection to a landlord/tenant issue. He was professional, responsive and answered all of my questions thoroughly and accurately. His depth of knowledge on the matter was truly inspiring. Adam kept me apprised of my case throughout. Whether by email or phone I always knew where my
- [Life Saver](https://creditreportlawgroup.com/testimonial/life-saver/) - Adam Singer saved my wife and my daughter 7 years of grief. Chase Manhattan Bank was about to report a late payment on both their credit reports which was due to no fault of our own on a car loan. In fact we made 5 years worth of payments without a single late payment. It
- [Incredible Attorney in every respect](https://creditreportlawgroup.com/testimonial/incredible-attorney-in-every-respect-2/) - Adam is a one of a kind attorney who is compassionate, genuine and caring - while being an aggressive warrior for his clients causes. He worked tirelessly for us on a very complex case and thanks to his perseverance and skill, we achieved our objective against high odds. He is a true pleasure to work
- [Exceptional lawyer and an expert in his field!](https://creditreportlawgroup.com/testimonial/exceptional-lawyer-and-an-expert-in-his-field/) - Mr. Adam Singer is one of those rare attorneys you will meet in your life. Not only is he extremely intelligent, knowledgeable, and hands on, but in addition, he is DEDICATED to his client. Mr. Singer involves the client throughout the whole process; beginning to end. He is constantly emailing and phoning the client to
- [Solid](https://creditreportlawgroup.com/testimonial/solid/) - Adam Singer has handled a number of matters for me over the past several years. Most recently he filed and aggressively pursued a complaint against a Fortune 100 corporation and their related entities. The case involved a breach of the Fair Credit Reporting and the Fair Credit Billing Acts, was filed in Federal Court in
- [Adam gets the highest endorsement I can give](https://creditreportlawgroup.com/testimonial/adam-gets-the-highest-endorsement-i-can-give/) - Some context regarding the problem Adam helped us solve. My wife and I have our mortgage with one of the largest banks in the US. Over 2 years ago they made a serious mistake on one of our accounts. Our credit scores, prior to this, were unblemished. The mistake dropped our credit scores by over
- [Exceptional lawyer and an expert in his field!](https://creditreportlawgroup.com/testimonial/exceptional-lawyer-and-an-expert-in-his-field-2/) - Mr. Adam Singer is one of those rare attorneys you will meet in your life. Not only is he extremely intelligent, knowledgeable, and hands on, but in addition, he is DEDICATED to his client. Mr. Singer involves the client throughout the whole process; beginning to end. He is constantly emailing and phoning the client to
- ["Client first, everything else thereafter!"](https://creditreportlawgroup.com/testimonial/client-first-everything-else-thereafter/) - I was referred to Adam Singer and was very impressed by his extensive knowledge of consumer litigation. Adam took the time to explain both best/worst case scenarios regarding my legal matter versus a home improvement contractor, which made me appreciate his legal acumen that much more. He did not dance around the problem and speak
- [Outstanding Experience and Result](https://creditreportlawgroup.com/testimonial/outstanding-experience-and-result/) - We hired Adam to represent us with a complex and big case: Our bank mistakenly misapplied one of our mortgage payments, which had a devastating and inaccurate impact on our credit score with the credit bureaus. Adam did an excellent job for us, in multiple areas: He set us up for success from the beginning.
- [Incredible Advocate, Strategist and Client-focused](https://creditreportlawgroup.com/testimonial/incredible-advocate-strategist-and-client-focused-2/) - I am an attorney who sought out Adam Singer to represent a family member in connection with a difficult and sensitive consumer matter. Adam successfully blended extremely strong negotiation skills with legal acumen and personal attention and he achieved a great and fair result. Throughout the representation, Adam was extremely thoughtful and mindful of all
- [Incredible Attorney in every respect](https://creditreportlawgroup.com/testimonial/incredible-attorney-in-every-respect-3/) - Adam is a one of a kind attorney who is compassionate, genuine and caring - while being an aggressive warrior for his clients causes. He worked tirelessly for us on a very complex case and thanks to his perseverance and skill, we achieved our objective against high odds. He is a true pleasure to work
- [The best attorney!](https://creditreportlawgroup.com/testimonial/the-best-attorney-2/) - Adam is a top notch attorney who knows how to think outside the box. He successfully managed two cases for me with great results. He is detail-oriented, organized, and fought for me every step of the way. I would not hesitate to recommend Adam for any litigation needs.
- [Highly Qualified](https://creditreportlawgroup.com/testimonial/highly-qualified-2/) - Mr. Singer has represented me on two occasions. He has excellent communication skills, an ability to think outside the box, and is extremely trustworthy. It's refreshing working with someone who is attentive, responsive, and listens to their client. Given his professionalism and ability to produce results, I would recommend his services to anyone contemplating litigation.
- [Superb Consumer Lawyer](https://creditreportlawgroup.com/testimonial/superb-consumer-lawyer-3/) - Adam was superb. His firm helped me understand my rights under the FCRA. I would highly recommend him to anyone with credit report errors.
- [I highly recommend Adam](https://creditreportlawgroup.com/testimonial/i-highly-recommend-adam/) - Adam was very calm and confident in the midst of my consumer credit nightmare. Adam put together a plan of action to work with the credit reporting agencies and my creditors. Most importantly, Adam was very thorough in his plan and followed up frequently to see that all went smoothly. I highly recommend Adam to
- [A Kind Professional](https://creditreportlawgroup.com/testimonial/a-kind-professional/) - Adam was professional, knowledgeable, honest and kind! He partnered with me to resolve my issue quickly and favorably. I plan to work with him again in the near future. Adam and his team were a pleasure to work with. Thank you!
- [Excellent service](https://creditreportlawgroup.com/testimonial/excellent-service-2/) - Mr. Signer provided an excellent service on our two identity theft cases and delivered great results. We highly recommend him.
- [Outstanding Lawyer](https://creditreportlawgroup.com/testimonial/outstanding-lawyer/) - We are happy to say we made the best decision of our life hiring Adam. We are from Kentucky and we were in a bad situation to where my identity got stolen and we just couldn't get any help in our area to get anything done about the situation. We begin to google the best
- [Amazing!!](https://creditreportlawgroup.com/testimonial/amazing/) - Truly an amazing experience! I needed a lawyer desperately, I must've called 5 others; I got their secretaries and a promise they'd call back. But they never did; well, one did a week later. When I finally called Adam, HE answered the phone, agreed to meet with me the next day, & immediately put me
- [A Listening Ear](https://creditreportlawgroup.com/testimonial/a-listening-ear/) - I am thankful to Adam and his team. I have a very complicated matter of identity theft. The things I needed to get cleared up didn't exactly fall into his or others specific practice. When reaching out to multiple lawyers and firms, I received no response, or was told there is nothing that can be
- [Adam is a great lawyer.](https://creditreportlawgroup.com/testimonial/adam-is-a-great-lawyer/) - I give Adam my highest endorsement and highly recommend him. I have known Adam for over 4 years. His litigation knowledge, attention to detail, and professionalism are extraordinary. I am extremely impressed with the level of care he exhibits toward his clients. I think the world of Adam both professionally and personally and would enthusiastically
- [Credit case](https://creditreportlawgroup.com/testimonial/credit-case/) - Hi, Adam G.Singer and Micah S. Adkins worked on my case and were excellent. In this review I am focusing on Adam G. Singer. I gave a review for Micah separately. Mister Singer like Mister Adkins answered all my questions and emails. He explained everything to me in a way that I could understand. He
- [Credit issue](https://creditreportlawgroup.com/testimonial/credit-issue/) - Went to Adam due to a missed payment reported to all 3 credit bureaus bringing my credit down 54 points. I was referred to Adam by my father which he also previously helped in the past with amazing results. He was able to walk me through and thoroughly explain the steps to disputing on all
- [Fantastic Attorney](https://creditreportlawgroup.com/testimonial/fantastic-attorney/) - I came across the Web site for Adam's practice when I was searching for a lawyer who could answer some questions and concerns I had about a home-repair contract, and I was impressed not just by the professionalism of his site but also the efficient, attentive way in which he and his office responded to
- [...extremely strong negotiation skills with legal acumen...](https://creditreportlawgroup.com/testimonial/extremely-strong-negotiation-skills-with-legal-acumen/) - I am an attorney who sought out Adam Singer to represent a family member in connection with a difficult and sensitive consumer matter. Adam successfully blended extremely strong negotiation skills with legal acumen and personal attention and he achieved a great and fair result. Throughout the representation, Adam was extremely thoughtful and mindful of all
- [...an ability to think outside the box...](https://creditreportlawgroup.com/testimonial/an-ability-to-think-outside-the-box/) - Mr. Singer has represented me on two occasions. He has excellent communication skills, an ability to think outside the box, and is extremely trustworthy. It's refreshing working with someone who is attentive, responsive, and listens to their client. Given his professionalism and ability to produce results, I would recommend his services to anyone contemplating litigation.

## Categories

- [News](https://creditreportlawgroup.com/category/news/)
- [Cybercrime](https://creditreportlawgroup.com/category/cybercrime/)
- [Credit Cards](https://creditreportlawgroup.com/category/credit-cards/)
- [Consumer Financial Protection Bureau (CFPB)](https://creditreportlawgroup.com/category/consumer-financial-protection-bureau-cfpb/)
- [Debt Collection and Harassment](https://creditreportlawgroup.com/category/debt-collection-and-harassment/)
- [Credit Scores](https://creditreportlawgroup.com/category/credit-scores/)
- [Auto Loans](https://creditreportlawgroup.com/category/auto-loans/)
- [Deceptive Acts and Practices](https://creditreportlawgroup.com/category/deceptive-acts-and-practices/)
- [Credit Report Errors](https://creditreportlawgroup.com/category/credit-report-errors/)
- [Class Actions](https://creditreportlawgroup.com/category/class-actions/)
- [Background Check Errors](https://creditreportlawgroup.com/category/background-check-errors/)
- [FCRA](https://creditreportlawgroup.com/category/fcra/)
- [Fraud](https://creditreportlawgroup.com/category/fraud/)
- [Identity Theft](https://creditreportlawgroup.com/category/identity-theft/)
- [Legislation](https://creditreportlawgroup.com/category/legislation/)
- [TCPA](https://creditreportlawgroup.com/category/tcpa/)
- [TaxJudgment Liens](https://creditreportlawgroup.com/category/taxjudgment-liens/)
- [Credit Reports](https://creditreportlawgroup.com/category/credit-reports/)
- [Mixed Case File](https://creditreportlawgroup.com/category/mixed-case-file/)
- [Medical Debt](https://creditreportlawgroup.com/category/medical-debt/)
- [Criminal Background Checks](https://creditreportlawgroup.com/category/criminal-background-checks/)
- [Housing Background Check Errors](https://creditreportlawgroup.com/category/housing-background-check-errors/)
- [Mixed File Credit](https://creditreportlawgroup.com/category/mixed-file-credit/)
- [Data Breaches](https://creditreportlawgroup.com/category/data-breaches/)

## Tags

- [Data Breach](https://creditreportlawgroup.com/tag/data-breach/)

## Testimonial Categories

- [Home Page](https://creditreportlawgroup.com/testimonial-category/home-page/)
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