How to Identify a Scam Collection Phone Call

Millions of consumers are bombarded daily by phone calls which are illegally placed by scammers pretending to be collectors. While these calls are illegal, there is little legal recourse for consumers because the callers are unidentifiable and often beyond the reach of consumer protection attorneys. This blog will cover two topics: (1) how to identify a scammer; and (2) what actions to take once you have identified a scammer. How to identify a Scam Collection […]

How to Draft a Dispute Letter to the Credit Reporting Agencies

Below are recommended guidelines on how to draft a dispute letter to the credit reporting agencies: Your Full Name, Address, and Social Security Number. Include the complete Social Security number. This is the most reliable identifier in the Credit Reporting Agencies database. **If possible include a copy of your Drivers’ License and a utility bill/ bank statement which has your current address. Include a detailed description of the inaccuracy you are hoping to correct. Make […]

Have Credit Reporting Errors? Here are the steps to take.

If you have a mixed file case or are a victim of any other type of credit reporting errors you should consider contacting an attorney to help protect your rights. Credit Reporting Agencies are frequently forced to pay hundreds of thousands of dollars in damages to individuals for inaccurate credit reporting. Legal recourse is an Option!! However, if you initially wish to take appropriate measures to rectify these errors on your own, prior to seeking […]

What is a Mixed File Case?

Credit Reporting Agencies can mix your identity with someone else which in turn results in an inaccurate credit report. These inaccurate credit reports run afoul of Credit Reporting Agencies’ obligation to report accurate credit information under the Fair Credit Reporting Act. The following are a few categories of people who are often victims mixed credit files: Individuals with similar names living in the same zip code Individuals with similar first name and identical last name […]