Credit Report Errors

If the companies won’t fix your credit reports, you have the option to sue under federal law to persuade the appropriate companies to fix your credit reports and compensate you.

After you answer a debt collection lawsuit what should your credit report show?

After you answer a debt collection lawsuit what should your credit report show? Once you’ve been sued by a debt buyer such as Midland Funding, Portfolio Recovery, or LVNV, and you’ve filed an answer, what should your credit report show? It’s excellent that you’ve answered the lawsuit. Most people fail to respond, which can be detrimental to you.  So what should the credit report show about this debt buyer? There are a few important things to look for when reviewing… (Read more)


What happens with your credit report after you win your collection trial?

What happens with your credit report after you win your collection trial? When you are in court and you win, what happens with your credit report after the trial? You want the debt removed from your report, but how does this happen? Do you ask the judge?  Does this happen automatically? In this post, we’ll discuss how to wrap things up after you win.  You’ve won your court case. What happens with your credit report now?  The judge does not… (Read more)


Alabama foreclosure: What you should look for in your credit reports to help stop the foreclosure

Alabama foreclosure: What you should look for in your credit reports to help stop the foreclosure You’re facing a foreclosure in Alabama. What should you look for in your credit reports to help you stop the foreclosure? These suggestions are specific to Alabama. Your state may be similar, but you will want to check on your state’s laws.  Does your credit report show that you are in foreclosure? This is very common on credit reports.  As you approach a foreclosure… (Read more)


What happens with credit reporting after you win your collection trial?

What happens with credit reporting after you win your collection trial? When you are in court and you win, what happens with your credit reporting after the trial? You want the debt removed from your report, but how does this happen? Do you ask the judge?  Does this happen automatically? In this post, we’ll discuss how to wrap things up after you win.  You go to court and you win your case. What happens now? The judge does not control your… (Read more)


Why do credit bureaus believe furnishers over consumers?

Why do credit bureaus believe furnishers over consumers? Today, I wanted to talk with you about why do credit bureaus believe the creditor, or the debt collector, or a “furnisher” over you when you do a dispute? You believe there’s something wrong with your credit report.  So, you reach out to the credit bureaus (TransUnion, Equifax, Experian) and tell them there is a problem with your Capital One account, your Portfolio Recovery account, or other debt collection account.  You tell… (Read more)


Example: Suing a debt collector for updating balance after pay for delete

Example: Suing a debt collector for updating balance after pay for delete Today, I wanted to share with you an example of a case we filed in the context of a pay for delete.  This is just one of the many cases we file against debt collectors for violating the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). What is a pay for delete? A pay for delete is when you call up a debt… (Read more)