Consumer law, like any area of the law, has complexities and subtleties that aren’t always apart to the public; however, being well-informed and educated about your rights as a consumer is one of the best ways to avoid being taken advantage of or being harassed. That’s why we blog regularly: to make sure you have the information you need to make informed decisions, or to strike back if your consumer rights are being abused. Read on to begin educating yourself now!
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What You Should Do Now About the Equifax Data BreachWhen the credit reporting agency Equifax had their files hacked in July of 2017, the personal data of millions of Americans was compromised. Little has changed.
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Jury Sends Message to CRA About FCRA Violations With $60 Million VerdictIn a landmark case in California, one of the three major credit reporting agencies was ordered to pay $60 million in punitive damages for FCRA violations.
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Give Yourself a Cyber Check-Up During National Cyber Security Month This OctoberNational Cyber Security Month is a good time to reevaluate your cyber habits to make sure you are adequately protecting your online identity. Learn more here.
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Do Not Waste Your Money on a Credit Repair CompanyDespite their promises, there is nothing a credit repair company can do to “repair” your credit. Instead of hiring one, save your money to pay off your debt.
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CFPB Survey Finds That Many Debt Collectors Break the Law, Threaten ConsumersA number of consumers reported in a recent survey by the CFPB that they were threatened by a debt collector. Learn why this is illegal and what you can do here.
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Avoiding Problems With Managing Credit and DebtAmerican consumers have a lot of complaints about credit card and debt management services. Learn about common problems and how to avoid them.
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Teaching College Students About Credit and DebtBefore sending your teen off to college, make sure she understands credit and debt to avoid future financial problems.
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Follow These Tips to Avoid Credit Card SkimmersCredit card crooks can easily steal the encrypted data stored on the magnetic strip on your credit, debit, or ATM card. Find out how to protect yourself here.
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You Can Reduce Junk Mail by Opting Out of Prescreened Offers of CreditEver wonder how credit card companies get the information they need to pre-approve you for credit? Find out here and learn how to stop it.
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Correcting Credit Card Billing Errors Under Provisions of the Fair Credit Billing ActWhen you find an error on your credit card statement, the Fair Credit Billing Act ensures that you have legal support to get the error corrected.
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Willful Violation of the FCRA Carries Penalties for ViolatorsWhen an employer or other agent willfully violates your rights under the Fair Credit Reporting Act, you may be entitled to damages beyond your actual losses.
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Managing Old Debt on Your Credit ReportsIf an old debt shows up on your credit report, it is probably because a debt buyer “parked” it there. Learn about this practice and what you can do about it.