Larry Smith
June 10, 2019
When negative information is reported on your credit file, The Fair Credit Reporting Act (“FCRA”) puts a time limit on how long the information can be reported. It seems fair that negative accounts shouldn’t be a blemish on your credit report forever. Under the FCRA, the Federal law that promotes accuracy, fairness, and privacy of […]
Larry Smith
May 14, 2019
The use of credit reporting from the three main credit bureaus, Trans Union, Equifax and Experian by financial institutions has been in play for decades. As we have written on our blog, there are many other types of consumer reporting agencies that provide information that is governed by the Fair Credit Reporting Act. There […]
Larry Smith
February 28, 2019
Your credit history and credit report determine what you are financially eligible to receive in credit and loans. Knowing what is reported on your report and an awareness of the law will ensure you have the financial opportunities you are entitled to and worked so hard to get. The Fair Credit Reporting Act (“FCRA”) is […]
Larry Smith
March 20, 2013
While the list of Fair Credit Reporting Act (“FCRA”) violations may seem endless, below is a list of the most common violations in no specific order. 1. Reporting inaccurate information Creditors can only report information to the credit reporting agencies (“CRAs”) that is accurate and may be liable under the FCRA for failure to do […]
