Here you’ll find links to documents, reports, publications and discussions provided by The Consumer Law Group, P.C. As an attorney with years of experience practicing Virginia lemon law, auto fraud, Fair Debt Collection Practices Act, credit fraud, identity theft and debt settlement; John Gale has acquired expertise in a number of areas.
We publish this information so that you can gain a better understanding of the legal challenges you face, as well as to help you appreciate why working with an experienced attorney is so important for your success.
Contact us for a consultation today.
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Why the Pandemic May Be Hurting Your Credit ScoreConsumers may be surprised to learn that, although the CARES ACT allowed for loan deferment, their credit scores can still be negatively impacted.
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Understanding the Credit Freeze: When to Consider Locking Up Your Credit ReportsThe recent Equifax data breach may have you considering a credit freeze. Learn how these work and when to use them. We explain the ins and outs here.
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Data Furnishers Must Provide Accurate Information to Credit Reporting AgenciesBusinesses or agencies that provide financial data about customers to CRAs must follow federal guidelines for accuracy and investigation. Learn more here.
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What Would the Loss of the Consumer Financial Protection Bureau Mean to You?The agency tasked with protecting consumers from credit card fraud, abusive debt collection, and unfair lending practices may be on the chopping block.
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Should Consumers Get Free Credit Scores Every Year?The Fair Access to Credit Scores Act was proposed early this year to require credit reporting agencies to include credit scores with free annual credit reports.
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Credit Report Errors Usually Originate With One of These SourcesBefore you can take steps to correct errors on your credit report, you will have to figure out the origin of the mistake, which may be one of these 5 sources.
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Read Privacy Notices to See If You Have the Option to Opt Out of Information SharingMany of us ignore the pages of notifications we get from banks and credit card companies. Learn here what you should look for when you read them.
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Credit Reporting Agencies May Only Supply Credit Reports for These PurposesThe Fair Credit Reporting Act allows credit reporting agencies to supply credit reports for a limited number of reasons to protect your privacy.
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When You Default on a Student Loan, Does the Fair Credit Reporting Act Apply?Student loans are regulated under the Higher Education Act, which has components that contradict the FCRA. So which law has priority? Learn more here.
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Employers Must Adhere to FCRA Rules When Requesting Personal InformationWhen applying for a job, you may be subjected to a background check. Understand your rights when an employer requests reports that reveal private information.
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When Your Credit File Gets Mixed Up With Someone Else’s, You May Have to Sue to Fix itCredit reporting agencies have systems in place to handle disputes from consumers about their credit reports, but some errors are very difficult to fix.
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Know Your Rights Before Working With a Credit Repair CompanyIf you have made financial mistakes in the past that have left you with bad credit, you may look to a credit repair company. Learn what your rights are here.