Month: April 2017

Under the Fair Credit Reporting Act, the statute enacted to protect consumers and promote accuracy, fairness, and privacy of consumer information, consumers are entitled to one free credit report annually from each of the three big credit reporting agencies.  The purpose of this recent amendment to the statute is to make a free report available […]

Earlier this year, the U.S. Court of Appeals was forced to review a question that had never before been considered by an appellate court relating to the Fair Credit Reporting Act (“FCRA”) and its rules regarding employment background checks. Under the law, employers looking to use an applicant’s credit report to aid in a hiring […]

As a consumer, you must be aware of how your credit and credit score can impact your financial worthiness and affect your everyday living.  Without good credit you risk paying more for your credit cards, mortgage loans and insurance as well as risk getting a job.  Experts say that despite the importance of your credit, […]