Posts by Law Offices of Jibrael S. Hindi

Does My Employer Look at My Credit Report?

Job hunting can be stressful and often requires just as much work as a full-time position. You likely have a full plate between revamping your resume, filling out applications, and scheduling interviews. However, it may surprise you that some employers can also look at your credit history when considering you for a position. Your current…

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How Long Does Information Stay On My Credit Report?

Your credit can significantly impact many aspects of your life, from your ability to rent or buy a home to whether you get hired for the job of your dreams. As much as you may strive for a high credit score, past mistakes may show up on your report. Collection accounts, late payments, and bankruptcies…

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How to Dispute Errors on Your Credit Report

Errors on your credit report could cause your credit score to be significantly lower than it would usually be. Unfortunately, a lower credit score could impact your ability to get a loan or credit card and could drive your interest rates through the roof. If you find mistakes on your credit report, you have a…

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3 Ways to Get a Collection Removed from Your Credit Report

A collection can be a significant and lasting detriment to your credit report. Having a collection on your credit report will negatively impact your credit score and could remain on your report for up to seven years. Even if you pay a collection, it could still show up on your report and negatively affect your…

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What Is Permissible Purpose and Who Has It?

The Fair Credit Reporting Act (FCRA) includes a section known as permissible purpose. It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual’s credit report. This credit report investigation is generally a result of an individual’s request for a credit line increase or opening a…

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3 Ways a Credit Card Debt Lawyer Can Help Victims of Identity Theft

Identity theft can happen to anyone and in many ways. Traditional methods still work, and now perpetrators have more avenues to access your private information. For example, public Wi-Fi, social media, cyberattacks, and the other wonders of the internet have introduced new threats for us to grapple with when it comes to our security. There…

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What to Do If a Credit Reporting Agency Does Not Correct Your Report

If there are mistakes in your credit report, you have the right to dispute any inaccuracies. Once you challenge the inaccuracies, the credit reporting agency has a duty to delete the information or further investigate the matter before reporting back to you. Unfortunately, credit reporting agencies might not respond, and the inaccurate information remains on…

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How the Fair Credit Reporting Act (FCRA) Helps Consumers

The Fair Credit Reporting Act (FCRA) is a federal law to ensure the accuracy, fairness, and privacy of the information in consumer credit bureau files. The law regulates how credit reporting agencies collect, access, use, and share the data collected in consumer reports. Understanding the Purpose of the Fair Credit Reporting Act Information on consumers…

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Felony Conviction Tenant Ban Violates FHA, Nonprofit Says

Housing discrimination lawsuit

By Carolina Bolado A housing advocacy group hit a Florida apartment complex with a lawsuit Tuesday claiming its blanket ban on tenants with any prior felony convictions discriminates against applicants of color and violates the Fair Housing Act. Florida Fair Housing Alliance Inc., a Miami-based advocacy group, said Winter Park, Florida, apartment complex Park Knowles…

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