Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, the consumer reporting agency is not required to remove accurate derogatory information from your file unless it is outdated or cannot be verified. A consumer…
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5 More Steps of a Personal Injury Lawsuit
As you know from reading my blog, and you should read my blog, most cases settle. In my last post, I wrote about the first five steps of a lawsuit. Those steps included filing the lawsuit and going through discovery….
California Debt Blog: You have the right to dispute incomplete or inaccurate information on your credit report
If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.gov/creditforan explanation of dispute procedures.
First 5 Steps of a Personal Injury Lawsuit
As you know from reading my blog, and you should read my blog, most cases settle. However, not every case settles. What happens when your case settles? Here are the first 5 steps in MOST personal injury car accident cases….
California Debt Blog: You have the right to ask for your credit score
Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have…
5 More Steps of a Personal Injury Claim
In a previous post, I gave you the first 5 steps of a car accident insurance claim. Once you get your medical records, what happens next? Here are the final 5 steps of a personal injury claim. 1. GET WAGE…
California Debt Blog: You have the right to know what is in your credit report and credit file
You may request and obtain all the information about you in the files of a consumer reporting agency. You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be…
How do you get fair market value for your car after a car accident?
In all of my years in handling car accident cases, personal injury cases, and other insurance claims, the thing that gets most people upset is damage to their car. Most of the time, the car is fixed. But what happens…
First 5 Steps of a Personal Injury Claim
Have you ever wondered what happens after a car accident? What are the steps of a personal injury claim? How does this whole process work? Here are the first 5 steps of a personal injury claim: 1. INVESTIGATE FACTS OF…
California Debt Blog: You must be told if information in your credit file file has been used against you
Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name,…