Other Consumer Law

Your credit report contains information on how you have managed your debts in the past. The duration that the information remains on your report depends on the type of record.

Bad credit can make you feel helpless, but you have rights under federal law. Credit agencies must keep the information in your credit file accurate, fair and private.

All consumers should be aware of their current credit score, and the information that is being used to derive that score. If there are errors or incomplete information on a credit report,...

Information in a credit report can determine whether or not someone gets housing, a loan, insurance or even a job. Negative information about an unpaid debt or collection account typically remains...

If you've looked for a job recently or applied for credit during the past 12 months, you have inquiries listed on your credit report. The Federal Trade Commission says credit bureaus must maintain...

Under the Fair Credit Reporting Act (FCRA) established in 1970, credit reporting agencies must follow specific regulations involving the data on your credit report. If a judgment appears on your...

Lenders base credit decisions on your credit history---inaccuracies not in your favor can cost you thousands of dollars in interest payments or maybe even the loan itself. Most negative...

A credit report contains personal consumer information, such as where you live. It is used used by potential lenders to assess your strength as a borrower. The information reflected on your credit...

Civil records, unlike criminal records, have no quick fix to hide undesirable information. Expungements, or having your records sealed or removed, are not available in civil courts. However,...

Keeping up with your credit is very important and essential nowadays. People check your credit when you buy a car, a house and sometimes when you apply for a job. If you don't stay on top of...

Errors on your credit report arise for a number of reasons, including computer errors, out-of-date data, and identity theft. These mistakes can lead to a lower credit score, which, in turn can...

A consumer credit report is a summary of your creditworthiness. Prospective employers, landlords, and companies that provide credit may look at your report to decide if they want to do business...

A judgment is filed against a debtor after losing a law suit to a creditor. According to credit education site Carreon and Associates, "about 80 pecent of judgments are awarded in error" due to...

According to the Fair Credit Reporting Act, a consumer is entitled to a free copy of his credit report from each of the three major credit-reporting agencies once a year. This means you don't need...

A consumer credit score, sometimes referred to as a FICO score, is a standard used to indicate a person's creditworthiness. The FICO score was developed by Fair, Isaac and Company as an industry...

Today you will learn how to dispute your credit report for free. There are alot of companies that charge hundreds of dollars for something so simple that you can accomplish on your own.

The Fair Credit Reporting Act is designed to ensure that individual credit reports contain accurate information. It also gives the consumer the right to limit access to the report by outside...

Taking action quickly is the key to reducing the damage done when your credit card information is stolen. Fortunately, many credit card companies offer 24-hour customer service telephone numbers,...

In today's society your credit is how institutions determine your credit worthiness. It is important to know what credit agencies are reporting. By law you are eligible to receive a free credit...

There are many ways to file a credit report dispute against negative entries. The most popular method is to write a letter and send it certified mail to the credit bureau. You can also submit a...

Each person is entitled to on free credit report from each of the 3 major credit reporting agencies every year. They have set-up a special site; just for this purpose. Once that free report is...

Everyone in the United States is entitled to one free credit report from each of the three major credit bureaus once a calendar year. In order, to receive this credit report you must visit a...

Abandoned property can range from payroll checks to individual retirement accounts and from inventory to real estate. The type of property the person abandoned determines how long an item must...

A judgment on your credit report can have a negative effective on your credit rating. If you find that a judgment is being reported in error, there are steps that you can take to get it removed...

Consumer credit laws set standards governing the right of every consumer to obtain and use credit, and to maintain an accurate credit rating. Here's how it works.