How to Prove You’re Alive to the SSA & Credit Reporting Agencies
05/20/2022

How to Prove You’re Alive to the SSA & Credit Reporting Agencies

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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How to Prove You’re Alive to the SSA & Credit Reporting Agencies

05/20/2022


How to Prove You’re Alive to the SSA & Credit Reporting Agencies

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.

Multiple inquiries can impact your credit score — how many is too many?

01/19/2022


Multiple inquiries can impact your credit score — how many is too many?

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?

What to Do When A Milliman Intelliscript Report Leads to Being Denied for Life Insurance

01/18/2022


What to Do When A Milliman Intelliscript Report Leads to Being Denied for Life Insurance

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 Are Compromising Your Credit Score? Here’s What You Can Do

01/14/2022


Hard Inquiries Are Compromising Your Credit Score? Here’s What You Can Do

Hard inquiries appearing on credit reports are normal, and if you’ve applied for a form of credit, you have them on yours.

After Being Unjustly Kicked Out of an Airbnb, Our Client is Holding Background Reporting Agencies Accountable

12/16/2021


After Being Unjustly Kicked Out of an Airbnb, Our Client is Holding Background Reporting Agencies Accountable

Consumer Attorneys are here to help you with lawsuits against background reporting agencies who made mistakes or errors on reports.

Got Your Record Expunged but are Still Being Denied Employment?

11/19/2021


Got Your Record Expunged but are Still Being Denied Employment?

The record expungement process exists to help individuals overcome their past mistakes.

What does a FICO score mean?

11/05/2021


What does a FICO score mean?

It’s your credit score calculated using the FICO® scoring model

What is a good credit score for a 30-year-old?

11/04/2021


What is a good credit score for a 30-year-old?

There isn’t a specific score

Why are FICO score versions different?

11/03/2021


Why are FICO score versions different?

The different versions meet different needs in the credit scene

What amounts to a reasonable investigation by a furnisher?

10/29/2021


What amounts to a reasonable investigation by a furnisher?

The reasonableness of the investigation depends on the circumstances of a case

Why is my FICO® score lower than my credit score?

10/28/2021


Why is my FICO® score lower than my credit score?

Several factors are different between how each score is calculated.

Do Library Fines Impact Your Credit Score?

10/26/2021


Do Library Fines Impact Your Credit Score?

In most cases, no.

What’s the effect of incomplete information on a consumer’s financial responsibility?

10/25/2021


What’s the effect of incomplete information on a consumer’s financial responsibility?

It does not affect a consumer’s financial responsibility.

Does the IRS Verify Your Identity?

10/22/2021


Does the IRS Verify Your Identity?

The IRS can verify your identity if it believes there is fraud related to a tax filing.

Can You Pay a Mortgage with a Credit Card?

10/21/2021


Can You Pay a Mortgage with a Credit Card?

Using a credit card to pay off a mortgage is possible and can benefit you in several ways.

How Often Should I Update My Online Account Passwords?

10/15/2021


How Often Should I Update My Online Account Passwords?

Several factors influence when you should be changing your online passwords.

Cyber Security: How to Protect Yourself on Social Media

10/15/2021


Cyber Security: How to Protect Yourself on Social Media

Defend yourself from cyber criminals on social media with strong cyber security practices.

How to protect yourself from vishing

10/08/2021


How to protect yourself from vishing

5 ways to avoid falling for vishing scams

How to protect yourself against malicious removable media

10/06/2021


How to protect yourself against malicious removable media

Be careful when dealing with removable media from unknown sources

October is Cybersecurity Awareness Month

10/04/2021


October is Cybersecurity Awareness Month

Cybersecurity is essential for identity protection

How to protect yourself against internet downloads

10/01/2021


How to protect yourself against internet downloads

3 tips to keep you safe when downloading files online

How to protect yourself online when using Wi-Fi

09/29/2021


How to protect yourself online when using Wi-Fi

4 ways to stay safe when using wireless internet

Legal packages to help you build your credit

09/28/2021


Legal packages to help you build your credit

If you need expert legal guidance to improve your credit, we might have a package for you

Legal packages to fix too much debt and bad credit

09/24/2021


Legal packages to fix too much debt and bad credit

We offer credit restoration

How to protect yourself online from phishing and ransomware

09/24/2021


How to protect yourself online from phishing and ransomware

5 ways to spot, avoid, and deal with phishing and ransomware attacks

Legal packages to help consumers with identity theft-induced debt and bad credit

09/21/2021


Legal packages to help consumers with identity theft-induced debt and bad credit

You might need legal help to move forward

Our new Individual Legal Protection Plan

09/08/2021


Our new Individual Legal Protection Plan

Another addition to our legal offerings

New legal plan available to help customers with identity theft and credit monitoring

09/03/2021


New legal plan available to help customers with identity theft and credit monitoring

This area of our Legal Plan is immensely beneficial

How to build credit if you’re new to the US

08/30/2021


How to build credit if you’re new to the US

If you’ve just emigrated, these tips will help get you started building your credit

What is the dark web and how can it impact me?

08/27/2021


What is the dark web and how can it impact me?

It’s a part of the internet that has secrecy as its watchword

What is a cash advance?

08/26/2021


What is a cash advance?

It helps you if you need cash urgently

What are overdraft fees?

08/25/2021


What are overdraft fees?

They’re the charge for overdraft protection services

What is a credit card hardship program?

08/24/2021


What is a credit card hardship program?

It can help you out in tough times

What is a VPN and how can it protect me?

08/23/2021


What is a VPN and how can it protect me?

VPNs are vital for your online privacy and security

What credit score do I need to buy a house?

08/21/2021


What credit score do I need to buy a house?

It depends on the type of mortgage loan you want

What credit score do I need to buy a car?

08/20/2021


What credit score do I need to buy a car?

Your credit score will affect your interest rates

What is a credit builder loan? Does it work?

08/19/2021


What is a credit builder loan? Does it work?

Credit builder loans help jumpstart your credit journey

Personal loan vs. cash advance: Which is better?

08/18/2021


Personal loan vs. cash advance: Which is better?

Both of them have their own unique pros and cons

Can a personal loan hurt my credit score?

08/17/2021


Can a personal loan hurt my credit score?

It depends on the situation

How to report a scam job listing

08/14/2021


How to report a scam job listing

You shouldn’t keep quiet about a scam job listing

Why debit card users are at a higher risk for fraud

08/13/2021


Why debit card users are at a higher risk for fraud

Credit card holders aren’t the only ones at risk for fraud

Tips for rental credit check success

08/12/2021


Tips for rental credit check success

Take these steps to prep for a rental credit check

How to remove late payments from your credit report

08/11/2021


How to remove late payments from your credit report

Late payments don’t have to be on your credit report forever

Most common credit myths

08/06/2021


Most common credit myths

Some things you’ve heard about credit are false

How to negotiate with creditors to remove negative reports

08/05/2021


How to negotiate with creditors to remove negative reports

Negative reports can be deleted from your credit report

How to find all your debts

08/04/2021


How to find all your debts

You could be unaware of your existing debts

Can my credit card be closed without warning?

08/03/2021


Can my credit card be closed without warning?

For certain reasons, creditors can close credit cards without any notice

What does it mean when you’re pre-qualified for a credit card?

07/30/2021


What does it mean when you’re pre-qualified for a credit card?

Pre-qualified means you fit some of the criteria needed for a specific credit card

Scams and fraud targeting US military members

07/29/2021


Scams and fraud targeting US military members

Service members are targets of scammers as well

What does Postmates look for in a background check?

07/28/2021


What does Postmates look for in a background check?

A background check by Postmates focuses on two elements

How to add rent and utilities to your credit report

07/27/2021


How to add rent and utilities to your credit report

There are ways to ensure your rent and utilities appear on your credit report

What does Lyft look for in a background check?

07/26/2021


What does Lyft look for in a background check?

Lyft considers certain elements during a background check

How late can you be on a car payment or mortgage payment?

07/25/2021


How late can you be on a car payment or mortgage payment?

After the due date for your payment, you have a grace period

What does GrubHub look for in a background check?

07/24/2021


What does GrubHub look for in a background check?

GrubHub is particular about applicants’ criminal and driving history

Can a collection agency report to the credit bureau without notifying you?

07/23/2021


Can a collection agency report to the credit bureau without notifying you?

A collection agency can report your debt to a credit bureau without giving you notice

What does DoorDash look for in a background check?

07/22/2021


What does DoorDash look for in a background check?

DoorDash focuses on two components when conducting a background check

A bill was sent to the wrong address and is now in collections: What do I do?

07/21/2021


A bill was sent to the wrong address and is now in collections: What do I do?

You have rights if a bill is sent to the wrong address and winds up in collections

What’s the difference between soft and hard credit checks?

07/17/2021


What’s the difference between soft and hard credit checks?

There are a few marked differences

My medical bill got sent to collections after I paid it. What should I do?

07/16/2021


My medical bill got sent to collections after I paid it. What should I do?

You can dispute medical bills sent to collections

How to get your credit ready for a mortgage

07/15/2021


How to get your credit ready for a mortgage

An unimpressive credit score could ruin your chances of getting a mortgage

How can you restore your financial health after you get out of prison?

07/14/2021


How can you restore your financial health after you get out of prison?

Building up your credit after prison is possible

Can I sue a company for sending me to collections?

07/13/2021


Can I sue a company for sending me to collections?

If they did it wrongfully, yes!

What is the statute of limitations for debt collections?

07/10/2021


What is the statute of limitations for debt collections?

Creditors and debt collectors must file a lawsuit for debt within a specific period after which they can’t do such

What does Uber look for in a background check?

07/09/2021


What does Uber look for in a background check?

An Uber background check focuses on two major components

What bills help build your credit?

07/08/2021


What bills help build your credit?

There’s another factor that determines whether paying your bills early will improve your credit

How to start building credit at 18

07/07/2021


How to start building credit at 18

Building credit at 18 is possible

Can a debt collector get into my bank account?

07/07/2021


Can a debt collector get into my bank account?

Some conditions are necessary for a debt collector to access your account

Will my debts still hurt my credit score if I move abroad?

07/03/2021


Will my debts still hurt my credit score if I move abroad?

Debts in one country don’t affect your credit score in another country

Will becoming an authorized user help build your credit?

07/02/2021


Will becoming an authorized user help build your credit?

Authorized user status can boost your credit

What should I do if I lose my Social Security card?

07/01/2021


What should I do if I lose my Social Security card?

Losing your social security card presents many financial risks

How to protect your privacy and identity online

06/30/2021


How to protect your privacy and identity online

A thorough guide to protection in a digital age

How is a fraud alert different from a credit freeze or a credit lock?

06/29/2021


How is a fraud alert different from a credit freeze or a credit lock?

Fraud alerts, credit freezes, and credit locks have several key differences

How to spot a job scam

06/26/2021


How to spot a job scam

Not all job postings are genuine

Is a 700 credit score good or bad?

06/25/2021


Is a 700 credit score good or bad?

A credit score of 700 has positive implications

Is a 600 credit score good or bad?

06/24/2021


Is a 600 credit score good or bad?

A 600 credit score is neither good nor bad, only fair

How to know if a government worker who’s contacting you is real or fake

06/23/2021


How to know if a government worker who’s contacting you is real or fake

Government impersonation scams can be easily identified

Is a 500 credit score good or bad?

06/22/2021


Is a 500 credit score good or bad?

A 500 credit score is a bad score and has negative implications

How long do derogatory marks stay on your credit?

06/15/2021


How long do derogatory marks stay on your credit?

Derogatory marks have varying lifespans on your credit report

Does an eviction hurt your credit?

06/12/2021


Does an eviction hurt your credit?

An eviction has an impact on your credit

What causes your credit score to drop?

06/11/2021


What causes your credit score to drop?

Some factors cause your credit score to drop

Is an 800 credit score good or bad?

06/09/2021


Is an 800 credit score good or bad?

Having an 800 credit score has certain benefits

What are medical report credit agencies?

06/04/2021


What are medical report credit agencies?

Screening services can access and provide information to medical professionals.

The six nationwide credit reporting companies and their differences

06/03/2021


The six nationwide credit reporting companies and their differences

Learn about six nationwide credit reporting companies.

How To Protect Your Credit

05/20/2021


How To Protect Your Credit

Five tips to protect yourself and your credit

How to deal with deceased debt collections

05/20/2021


How to deal with deceased debt collections

Collecting debt upon the death of the debtor

3M Defective Combat Earplugs Lawsuit

05/13/2021


3M Defective Combat Earplugs Lawsuit

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

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