Did a Background Check Cost You a Job? Here’s What Employers Are Required to Do Under the FCRA Losing a job opportunity because of a background check is devastating — especially when the information in that report is wrong, outdated, or belongs to someone else entirely. But even when background check information

Mortgage Denied Because of a Credit Report Error? Here’s What It Actually Costs You — and What the FCRA Lets You Do About It You found the house. You negotiated the price. You imagined where the furniture would go. Then your loan officer called with news that stopped everything: your mortgage was

Locked Out: What to Do When a Checkr Background Check Error Deactivates Your Uber, Lyft, or DoorDash Account Imagine waking up ready to start your shift—only to find you’ve been “deactivated.” No warning, no real explanation. Just a notification that you failed a background check through Checkr, the background check company used

You applied for a job you were well-qualified for. The interview went well. Then, days later, you got word the company was “moving in a different direction.” When you finally got a copy of your background check report, you found the real reason: it listed a felony conviction for someone you have

Last week, the Consumer Financial Protection Bureau fined U.S. Bank $37.5 million for, among other things, opening customer accounts without permission. According to the Consumer Financial Protection Bureau, U.S. Bank illegally accessed customer credit reports and personal data to open deposit accounts, credit cards, and lines of credit without permission. While U.S.

When you are reviewing your background report and credit report, you should pay close attention to the names that appear at the beginning of those reports. Sometimes, credit bureaus and background reporting companies will include aliases, along with your given name. The inclusion of aliases can lead to significant problems. Credit bureaus

If Experian, Equifax or Trans Union report you as deceased, and you are still alive and kicking, then you may have legal claims to pursue against the credit bureaus under the Fair Credit Reporting Act. Being reported as deceased can be exhausting, as well as devastating. When a credit bureau reports a

It’s simple to obtain free copies of your Equifax, Experian, and Trans Union credit reports. Log onto www.annualcreditreport.com and you can request a copy of each report. You should be able to view the reports online, but sometimes you will have to make a request through the mail. Once you have copies

But what happens when the credit reporting agency does not fix the inaccuracy following your dispute?  There are several options: Send a second dispute to the credit reporting agency.  A vague dispute is not helpful.  A credit report dispute letter should include as much detail as possible.  This can include sending documents

Buying a home is a major life event. It is one of the most significant financial decisions you will make, and it can be stressful.  Mortgage lenders will review your credit reports to determine if you qualify for a mortgage, and on what terms.  The better your credit history, the more likely