The United States Court of Appeals for the Seventh Circuit held that a debt collector is liable for the illegal actions of its attorneys and other agents that are taken on the debt collector’s behalf, as long as the attorney or agent is also acting as a debt collector. In that case, Asset Acceptance, LLC, [...]
One question we hear a lot is how is a credit score determined. Credit Scores used to be determined by Fair Isaac Credit Organization also known as “FICO.” This company came around in the 1950s by hiring some very smart math guys who analyzed consumer credit habits. In more recent years, the credit bureaus started [...]
Identity thieves prey on the vulnerable and unsuspecting. Sadly, these low life identity crooks have recently targeted minors as easy targets for identify theft. While many adults keep tabs on their own credit history by periodically reviewing their credit report, most take for granted that the credit histories of their minor children are spotless. However, [...]
Discover the Secrets of how to read your Credit Report and What the Credit Agencies are Reporting About You. How do lenders come up with Credit Scores that determine how much money you can borrow? Under the Law, it’s your responsibility to make sure that your credit reports are accurate and quite frankly, that’s [...]
GC Services, a national debt collector, has agreed to pay $700,000 to the federal government as a civil penalty for its debt collection harassment practices and other illegal tactics to collect debts. GC Services is a large debt collection agency with a dedicated student loan division. The lawsuit against GC Services alleges that it left [...]
Job seekers with poor credit know all too well how negative items on their credit report can put them at a disadvantage when seeking employment, since companies often check an applicant’s credit report before offering employment. This "credit report as a condition of employment" cycle creates a vicious circle where a person having credit difficulties [...]
Dealing with the Credit Reporting Agencies is essential to our financial lives and what is listed on our credit reports are up to the consumer to ensure is accurate. What better way to ensure accuracy on your credit report then to enroll into a free program offered by Equifax and TransUnion? That is exactly what [...]
Since the start of the new year, the CFPB has already received over 1,600 complaints about debt collectors. Over 44% of those complaints were about repeated attempts by debt collectors to collect a debt that is not owed. In most cases, the debt did not belong to the consumer, with cases where the consumer already [...]
This greedy debt collector wants more money! For some reason, Buffalo, NY is a hot bed of sleazy debt collectors. This town raises scummy debt collection agencies faster than the Feds can put them out of business; kind of like Whack-a-Mole. Most recently, the CFPB and the New York Attorney General have [...]
Ever go to a job interview and think it went great only to find out you didn’t get the job? Could this be because the companies you are applying to are actually looking at your credit history? You may think this could never happen, but a class action lawsuit filed in U.S. District Court of [...]
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