Month: December 2015

As the year comes to a close, debt is a common concern for many consumers.  Whether you were a little less than conservative during the holiday season or accrued debt during the year that you have not been able to pay off, the Fair Debt Collection Practices Act (“FDCPA”) will protect you from debt collectors. […]

In 2009 the Federal Government signed into law the Credit Card Accountability, Responsibility and Disclosure Act, or Credit CARD Act.  This law was aimed at improving the industry for consumers and stopping the overall abusive practices of the credit card business.  In 2011, the Consumer Financial Protection Bureau (“CFPB”), the agency in charge of consumer […]

As discussed in the last blog how consumers have a variety of credit scores, consumers also have a variety of consumer reports. Beyond the credit reports from each of the three big credit reporting agencies, Experian, Equifax and Trans Union, consumers have specialty reports that are used to provide different types of data to lenders […]

The more you learn about your credit the more you understand the importance of maintaining a good credit score.  In fact, most credit reporting agencies now offer a “free score” with a copy of your report so that you can ensure your score is decent enough to earn you favorable interest rates, new credit and […]

Going in for a job interview can be intimidating all on its own.  Couple that with your potential employer conducting an employee background check and the entire process can be down right scary.  Whether you are hired or fired may depend on the information found in your credit report or a background report, however the […]