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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You Have Rights When an Employer Rejects Your Application Based on a Bad Credit ReportIf you have given written permission for a potential employer to obtain your credit report and he discovers incorrect negative information, you can take action.
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Protect Your Right to Financial PrivacyEmployers may want to know about the backgrounds of potential employees, but under the Fair Credit Reporting Act, they may only request certain information.
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What the FCRA Says About the Privacy of Your InformationThe Fair Credit Reporting Act offers several protections to consumers, including the right to the privacy of your personal information.
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Exercise Your Rights to Recover From Identity TheftIf you are a victim of identity theft, you should be aware of the rights granted by the Fair Credit Reporting Act to recover your identity and protect your credit.
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Before Buying an Expensive Service, Do These Things for Free to Protect Your IdentityOur mistakes make it way too easy for identity thieves to take advantage of us. Take these simple steps to protect your confidential information.
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Large Companies Don’t Necessarily Follow the Rules for Credit Reporting and DisputesEven large companies may deny your rights under the Fair Credit Reporting Act. Learn more about common violations and how to take action to assert your rights.
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Are You the Victim of Credit Fraud? Here’s What You May Have Done Wrong!When people become credit fraud victims, they often wonder how it happened to them. Here, we discuss the reasons why they were targets.
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Protect Your Legal Rights When it Comes to Credit Reports and Judgment CreditorsThe Fair Credit Reporting Act restricts people from accessing credit reports. Judgment creditors may face limitations depending on the type of debt.
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Was Your Credit Report Pulled Illegally? Here's How to TellCredit reports are important to our lives and therefore access is limited. A credit report cannot be pulled for an impermissible reason.
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Don’t Make the Mistake of Filing a Blanket Dispute With a Credit Reporting AgencyWhile consumers are entitled to accurate credit reports, some do contain errors. To have these errors corrected, avoid filing a blanket dispute. Learn why here.
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Frivolous Credit Disputes Do Not Have to be Investigated by Credit Reporting AgenciesConsumers are entitled to an accurate credit report. Credit reporting agencies, however, are not obligated to investigate frivolous disputes about the report.
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Abusive Methods Used By Debt Collectors for Unpaid Hospital DebtsUnpaid hospital bills are one of the most common forms of debt among consumers. Unfortunately, debt collectors may use abusive methods to try and collect.