Charge off: How to get one removed from your credit reports by looking for factual errors
We’ve talked about charge off debts in the past:
What is a charge off?
Can I be sued for a charge off debt?
3 things a creditor can do with a charge off
Now, let’s talk about how to remove a charge off from your credit report.
A charge off is the same as any other negative information on your credit report. You want… (Read more)
Credit reports: The original creditor and debt collector are both on my report – is this legal?
How is your debt showing up on your credit reports?
Let’s say I owe Discover $5,000 and this debt shows on my credit reports as $5,000 owed to Discover.
Since my credit reports are accurate, I don’t need to worry about it.
Discover may send the $5,000 debt to a debt collector.
Sometimes, we will see both the original creditor (Discover, Capital One,… (Read more)
3 reasons to pull your credit reports after being sued
At the time of this article until April 2021, you can pull your credit reports for free every week through AnnualCreditReport.com. In this article, we discuss why you should do this regularly throughout your lawsuit. Print these to PDF, save them on your computer. Then look at them and check for errors.
There are three time periods we want to look at your credit reports on compared to the lawsuit:… (Read more)
The CARES Act is a powerful law that, if you qualify, entitles you to receive a forbearance on making payments on your mortgage. But what happens when your mortgage company refuses to give you the forbearance?
What can you sue for?
This is a question that was asked by a consumer after our article listed above. So here are some possibilities:
FDCPA
RESPA and RESPA letters
FCRA
State law
Let’s look at these but first let’s remind ourselves of what the… (Read more)
Here are three simple tips that you can quickly learn and then take action on when dealing with credit reporting by a debt collector. (We have longer articles but this will be a good start).
Here are the three tips and then we’ll briefly discuss them:
See if there is any obvious inaccuracy
Dispute the debt directly with the debt collector if you need information
Dispute the debt with the credit reporting agencies if you the first two options don’t… (Read more)
We welcome referrals from lawyers inside or outside of Alabama
Many of our cases — and particularly our bigger cases — come from referring lawyers who refer their consumer cases to us. While most people who send us cases are lawyers we have worked with for many years, we wanted to share this information primarily for lawyers we have not worked with so you will understand the process. We want to make any referrals as easy as possible for you.… (Read more)