Disputing Credit Report Errors With Experian, Equifax, and Trans Union

When Experian, Equifax, or Trans Union report inaccurate information to potential creditors, their errors can have devastating consequences.  Sometimes the potential creditor will raise the interest rate that you must pay because the error makes it look like your credit is worse than it actually is.  And sometimes the potential creditor will

How Does Your Bonus Affect Your Overtime Compensation?

With the end of the year fast approaching, some employees are anticipating the receipt of an end-of-the-year bonus. If you’ve received a bonus – whether during the holidays or the rest of the year – you should make sure that your employer is paying you properly.  In some cases, a bonus must

Employers Must Show You Your Background Report Under Section 1681b(b)(3) Of The Fair Credit Reporting Act If They Are Going To Use It Against You

The Fair Credit Reporting Act contains requirements for the “user” (i.e., the employer) of an employment background report.  The law requires that an employer must: 1.  Obtain your written authorization to access your background (or consumer) report; and 2.  Provide you with a disclosure that it may use the background report for employment purposes. Both of

Have You Disputed Credit Report Errors Made By Yamaha, WebBank, Fidem Finance, Intuit, Health Credit Services, DIGNIFI, or CreditStacks? Here’s What They Must Do To Investigate.

Once a consumer disputes information in a credit report with Experian, Equifax, or TransUnion (or any other consumer reporting agency), the consumer reporting agency must notify the furnisher of the information of the dispute.  And once the furnisher is notified, it then has an obligation to investigate.  Section 1681s-2(b) of the Fair