Tag Archives: Fair Credit Reporting Act

Credit File Fraud Alert Before Security Freeze

Credit File Fraud Alert Less Drastic than Credit File Security Freeze Many consumers are confused about the pros and cons of a credit file fraud alert versus a credit file security freeze.  Let’s take a look at what is similar and what is different about these two avenues of self protection against identity theft and

Debtor’s Legal Rights

Debtor’s Legal Rights Consumers are protected from abuse by credit reporting agencies, debt collectors, predatory lenders and others who prey upon the gullible and weak by a variety of laws.  Some of these laws are more well known than others.  Federal Laws usually supersede State Laws when there is a conflict. State Laws sometimes provide

e-OSCAR Automated Credit Dispute Verifications

e-OSCAR Automated Credit Dispute Verifications Wizard of Oz e-OSCAR Automated Credit Dispute Verifications (Online Solution for Complete and Accurate Reporting) is a system used by creditors and Credit Reporting Agencies as a short cut to truly fulfilling their legal responsibility to thoroughly investigate consumer’s disputes of negative credit report entries.  This system essentially makes a mockery

Debt Collector Skip Tracing Techniques

Skipping Town on Debts is not Easy Debt collector skip tracing involves finding people who want to avoid their debts by “getting lost.” These debtors are referred to as “Skips” in the debt collection industry.  This comes from the age old expression “to skip town” as used to refer to those who think that if

Overlooked Little Known Credit Bureau Secrets

Overlooked Little Known Credit Bureau Secrets Credit Bureau Secrets…..Deletion of paid Derogatories is legal.  There…I’ve said it again.  This settlement technique is critically important to consumers but is misreported over and over by so called self appointed experts.  Let me clarify this even further.  I am sure of this not only because I do it

Credit Bureau Errors and The Consumer Bureau

Credit Bureau Errors The regulators at the Consumer Financial Protection Bureau are taking direct aim at Equifax, Experian, Trans Union and smaller credit reporting agencies to determine whether their responses to consumer complaints of errors are fair and reasonable.  They will focus on the tens of thousands of complaints by consumers who say it is

Credit Bureau Complaints Treated Like Dangerfield

Credit Bureau Complaints Treated Like Dangerfield   Hopefully your father wasn’t so stupid that he went to jail for stealing pens from a bank and you weren’t so ugly that the doctor slapped your mother when you were born, but like Rodney Dangerfield your electronic disputes get no respect from the credit reporting agencies.  Why

FAQ: Can parking tickets or library fines be added to my credit report?

FAQ: Can parking tickets or library fines be added to my credit report? UPDATE:  All debts such as tickets or fines that do not arise out of a contract with the consumer will be deleted and expunged as of March, 2015. The FAQ: Can parking tickets or library fines be added to my credit report?