Impermissible Access to Your Credit Reports

The Fair Credit Reporting Act (“FCRA”), is the federal statute that was created to ensure accuracy and privacy of consumer information.  Its purpose is to protect consumers from distribution of inaccurate information contained in reports as well as the privacy of their information.  To this end, the FCRA sets guidelines on who can access a […]
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Rebuild Your Credit Before the Year Ends

As we get closer to holiday time – and holiday shopping, it’s a good idea to check your credit report before subjecting yourself to the multitude of credit applications we may be going through while trying to take advantage of the best holiday deals.  Take the time to review your accounts and make sure your […]
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One Consumer – Three Different Credit Reports

As the year is coming to a close, now is a better time than ever to order a copy of your credit report, especially consumers who have not taken advantage of their free copy from annualcreditreport.com.  After receiving a copy of your report from all three credit reporting agencies, Equifax, Experian and Trans Union, and […]
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Its Time to Review Your Credit Report

Recent studies show that almost half of American consumers don’t check their credit report on a regularly basis, almost one third have never seen a copy of their report and over half don’t know what their credit score is.  This number is frighteningly high considering the fact that your credit is essential to your financial […]
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