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,…
Posts Categorized In: FCRA
California Debt Blog: More IRS Scam Warning
I previously told you about an IRS scam that is going around. Well, the IRS scam is coming from a few numbers. So I thought I would share another message: “Hello we have been trying to reach you. This automated…
California Debt Blog: 5 More Mistakes People Make With Their Credit
I previously wrote about mistakes people make with their credit when they are trying to increase their credit score. There are some very basic things you can do that most people think are helping them, but really are not helping…
California Debt Blog: Is your credit report accurate?
According to experts, 80% of credit reports have problems. Over 1/4 of credit reports have problems that are significant enough to have a serious financial impact on individuals. This can also impact your business and your ability to get loans….
California Debt Blog: 5 Mistakes People Make With Their Credit
People are concerned, rightly so, about their credit scores. A lot of people are trying to do what they can to increase their credit score. While a commendable goal, there are some things you should NOT do. Here are 5…
California Debt Blog: IRS Scam Warning
There is a new scam running around where someone calls you pretending to be from the IRS. Let me say this again: YOU CANNOT BE ARRESTED FOR NOT PAYING A DEBT. Also, the IRS will write to you and will…
California Debt Blog: Debts Canceled by Bankruptcy Still Mar Consumer Credit Scores
This is a scary story from the New York Times. You think zombies are just on bad tv shows and in movies. But it turns out, that there are zombies in real life: zombie debts, at least. Here is the…
California Debt Blog: Aggressive Debt Collection Tactics Continue
I previously wrote about Jim Puzzanghera of the LA Times and his a great story on debt collection tactics. Jim’s first paragraph tells the story of most people these days: “Hard economic times have helped push millions of Americans deeply…
California Debt Blog: Why you should demand validation of a debt
Whenever you are contacted by a debt collector, the initial letter from the debt collector will state that you have the right to request validation of the debt within 30 days. Even a debt collector like Persolve, Midland Funding, CACH,…
California Debt Blog: FREE Credit Report Review
Did you know that up to 25% of credit reports have an error? Yes, a new study by the Federal Trade Commission (FTC) finds that “25 percent of consumers identified errors on their credit reports that might affect their credit…