05/20/2022
How to Prove You’re Alive to the SSA & Credit Reporting Agencies
As their credit was run by the dealership, a new problem occurred. Instead of driving off the lot in a new car they could enjoy, our client was faced with a death notification on their credit report, immediately putting a stop to their car buying efforts. Somehow, they were mistakenly reported dead with the three major credit bureaus: Equifax, TransUnion, and Experian. Now they had a social security number reported as deceased.
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We recently worked with a client that was out for one of the great American pastimes - shopping for a car. They spent an afternoon exploring what kind of vehicle would work best for their lifestyle, took it for a test drive, and was ready to make a payment.
Having lenders or landlords pull your credit report, also known as an inquiry, is a normal part of applying for things like housing or loans. But is there such a thing as too many inquiries, and can they detriment your credit health?
While many consumers have never heard of a consumer reporting agency known as Milliman IntelliScript, they may be surprised one day to find this entity has disqualified them from obtaining insurance.
Hard inquiries appearing on credit reports are normal, and if you’ve applied for a form of credit, you have them on yours.
Consumer Attorneys are here to help you with lawsuits against background reporting agencies who made mistakes or errors on reports.
The record expungement process exists to help individuals overcome their past mistakes.
It’s your credit score calculated using the FICO® scoring model
The different versions meet different needs in the credit scene
The reasonableness of the investigation depends on the circumstances of a case
Several factors are different between how each score is calculated.
It does not affect a consumer’s financial responsibility.
In some situations, no.
The IRS can verify your identity if it believes there is fraud related to a tax filing.
Using a credit card to pay off a mortgage is possible and can benefit you in several ways.
Several factors influence when you should be changing your online passwords.
Defend yourself from cyber criminals on social media with strong cyber security practices.
Be careful when dealing with removable media from unknown sources
Cybersecurity is essential for identity protection
3 tips to keep you safe when downloading files online
A solution to your problems
4 ways to stay safe when using wireless internet
If you need expert legal guidance to improve your credit, we might have a package for you
5 ways to spot, avoid, and deal with phishing and ransomware attacks
You might need legal help to move forward
This area of our Legal Plan is immensely beneficial
If you’ve just emigrated, these tips will help get you started building your credit
It’s a part of the internet that has secrecy as its watchword
VPNs are vital for your online privacy and security
It depends on the type of mortgage loan you want
Your credit score will affect your interest rates
Credit builder loans help jumpstart your credit journey
Both of them have their own unique pros and cons
Credit card holders aren’t the only ones at risk for fraud
Late payments don’t have to be on your credit report forever
Negative reports can be deleted from your credit report
For certain reasons, creditors can close credit cards without any notice
Pre-qualified means you fit some of the criteria needed for a specific credit card
Service members are targets of scammers as well
A background check by Postmates focuses on two elements
There are ways to ensure your rent and utilities appear on your credit report
Lyft considers certain elements during a background check
After the due date for your payment, you have a grace period
GrubHub is particular about applicants’ criminal and driving history
A collection agency can report your debt to a credit bureau without giving you notice
DoorDash focuses on two components when conducting a background check
You have rights if a bill is sent to the wrong address and winds up in collections
There are a few marked differences
You can dispute medical bills sent to collections
An unimpressive credit score could ruin your chances of getting a mortgage
Building up your credit after prison is possible
Creditors and debt collectors must file a lawsuit for debt within a specific period after which they can’t do such
An Uber background check focuses on two major components
There’s another factor that determines whether paying your bills early will improve your credit
Some conditions are necessary for a debt collector to access your account
Debts in one country don’t affect your credit score in another country
Authorized user status can boost your credit
Losing your social security card presents many financial risks
A thorough guide to protection in a digital age
Fraud alerts, credit freezes, and credit locks have several key differences
Government impersonation scams can be easily identified
A 500 credit score is a bad score and has negative implications
Derogatory marks have varying lifespans on your credit report
Screening services can access and provide information to medical professionals.
Learn about six nationwide credit reporting companies.
The U.S. Department of Defense issued 3M’s Combat Arms Earplugs version 2 (CAEv2) as standard issue hearing protection devices to troops deployed to combat zones such as Iraq or Afghanistan between 2003 and 2015