Foreclosure Changes In The California Homeowner Bill of Rights (“HBOR”)

On January 1, 2018, certain provisions of the HBOR expired. However, the expiration date did not apply to all of the HBOR’s provisions and many provisions have been replaced by new regulations. We’ve prepared the below summary of some of the substantial changes to the law and how they will affect HBOR litigation in the …

Do I Have to Suffer Provable Economic Damages to Make a Claim Under the Fair Credit Reporting Act?

Do I Have to Suffer Provable Economic Damages to Make a Claim Under the Fair Credit Reporting Act? One of the main issues we face in bringing claims for consumers under the Fair Credit Reporting Act (“FCRA”) or other similar statutes is proving the amount and extent of the injury caused by the allegedly wrongful …

Identity Theft FAQ

What Can Happen if Someone Steals My Identity?   When your identity is stolen, the identity thief usually does so with the intent to unlawfully use that information for their own economic gain.  Some of the most common ways that an identity thief will use your personal information are set forth below.  If unauthorized charges …

Protect Yourself From Identity Theft

What is Identity Theft? “Identity theft,” sometimes referred to as “identity fraud,” refers to the act of another person impersonating you, usually to obtain some financial gain.  In most circumstances, this will involve another person gaining access to your personal information, such as your Social Security number, birth date or driver’s license numbers.   How …

What Remedies or Relief Are Available Under The Fair Credit Reporting Act (“FCRA”)?

You followed our FCRA blog posts and understand how accurate credit reporting is important for your financial future.  You sensed that something was wrong with your credit report and you have identified inaccuracies.  You followed our instructions and used our Sample Dispute Letter to dispute the false report. Finally, the false credit reporter has responded.  But …

“How Do I Check My Credit Report?”

More and more, we are approached by clients interested in pursuing a case under the Fair Credit Reporting Act (“FCRA”).  Often, they know their credit score should be higher than it is, but they have not yet reviewed a detailed credit report. You are entitled to a free credit report every year, which you can …

Protect Your Credit With The Fair Credit Reporting Act

HOW DO I CHECK MY CREDIT REPORT? If your credit report contains errors, inaccuracies or incorrect information it can have a significant negative impact on your credit rating and you need to take immediate action. To protect your rights, you need to thoroughly review your credit report to ensure all the information is current and …

Credit – Part 3: Remedies Available For Violations of The Fair Credit Reporting Act

This is Part 3 of 3 on our series regarding credit disputes and related claims.  In Part 1, we shared an overview of credit and how it impacts our financial lives.  In Part 2, we explained how to dispute inaccuracies to the credit bureaus and reporting entities.  Today in Part 3, we discuss the remedies …

Credit – Part 2: So You Found Inaccurate Information on Your Credit Report. Now What?

This is Part 2 of our 3 Part Series on credit reporting and associated claims. Your credit report contains the information provided to the three major credit-reporting bureaus – Equifax, Experian, and TransUnion – related to your loans, purchases and other financial transactions.  If you find an error on your credit report, you have the …

Credit – Part 1: Your “Credit Report” And Your “Credit Score” Explained

Your “credit report,” and the “credit score” based on that report, are very important and can have a significant effect on your financial well-being including determining the interest rate you pay on loans and credit cards and whether you even qualify for a loan or purchase.  The terms “credit report” and “credit score” are often …

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