Articles from Daniel Cohen

How do you know if you’ve been hit by identity theft? While there’s no 100% certain way to know if you are a victim of identity theft, it starts with a gut feeling that something just isn’t right with your money, accounts, credit, or mail. It might be unfamiliar bank or credit card charges, a sudden credit score drop, accounts or inquiries you didn’t authorize, bills or statements that stop coming, debt collectors calling about debts you don’t owe, and notices from the IRS, a bank, insurer, or medical provider about activity that is not yours – all these are warning signs of identity theft, so the best thing you can do right now is act on it.

As soon as you find out that someone has stolen your identity, one of the first steps is reporting it to the credit bureaus so you can limit further damage and start clearing the fraudulent information from your reports.

It might not seem fair, but companies are now able to research your background to determine if you're moonlighting.

Identity theft is the kind of situation that feels like a personal, financial, and legal attack – all at once. And it basically is. One day, everything looks normal. The next day, there is a bank charge you didn’t make, a credit card you never opened, a debt collector calling about an account you don’t recognize, or a credit score that suddenly makes no sense.

Background check errors happen way more often than the screening industry would have you believe. Here’s a number that feels quite uncomfortable: a 2024 study published in Criminology found that 60% of participants had at least one false-positive error on a regulated background check report. Sixty percent. That’s not some rare glitch in the matrix. That’s the baseline.

Identity theft is when someone uses your personal or financial information without your permission. They can use your name, Social Security number, credit card number, bank account information, medical insurance number, or other identifying details to get money, credit, services, medical care, tax refunds, employment, or other benefits. That is the basic identity theft definition most people are aware of.

Have you or someone close to you become an identity theft victim? If yes, filing a police report for identity theft is an important step in dealing with it. The process is straightforward but requires following specific steps. In short, you start with an FTC report at IdentityTheft.gov. Then bring that report, your ID, and any available fraud documents to your local police department. Ask for the fraud department, and request the report number and copy.

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Most people don’t think much about their credit report until something goes wrong. Then they discover that a wrong balance, an account that was never theirs, or someone else's bankruptcy is sitting in their file, and that it has already affected a loan, an apartment, or a job offer. By the time they realize what happened, the damage is done. The Fair Credit Reporting Act (FCRA) exists specifically for situations like this. It gives consumers legal rights against the companies that compile and report consumer information, and it provides a path to both correction and financial recovery when those companies fail to follow the rules. If you’re trying to figure out whether the errors on your credit report cross into legal territory, how they can be corrected, and if you’re entitled to compensation, talking to a Fair Credit Reporting Act lawyer is the right starting point.

If you’re dealing with a credit problem, it’s natural to search for a credit repair company or a credit fix attorney and expect to find someone who can truly help. The problem is that those terms cover two very different types of services, and knowing which one you actually need makes a big difference in what happens next. One is a paid service that disputes items on your behalf (credit repair service). The other is a legal practice that pursues claims under federal law when your rights have been violated (FCRA attorney). This page explains how the two work, where they overlap, and where they don’t.

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Creditworthiness in Modern Life Is Veryyy Important, that Is why Mistakes on Credit Reports Have a Severe Impact on Consumers