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the consumer reporting agency is not required to remove accurate derogatory information from your file unless it is outdated or cannot be verified.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…
Posts Tagged With: FCRA
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.
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…
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…
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,…
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: 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: Beware of FS Mediation Group
I wrote before about Regional Arbitation Services. You can read it here and here. I sued them twice and have two defaults against them. I will soon be turning those into judgments. In the meantime, I received a call from…
California Debt Blog: Company Blacklists Customers Requesting Credit Card Refunds
According to this article from WalletPop.com, a consumer watchdog site, the company BadCustomer.com keeps a list of customers who request a credit card reversal after making a purchase with a company. One single credit card reversal can land customers on…