Posts by Law Offices of Jibrael S. Hindi

What Information is Prohibited by the FCRA?

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The Fair Credit Reporting Act (FCRA) is a federal law that governs the collection, dissemination, and use of consumer credit information. The FCRA imposes restrictions on the type of information that can be included in a credit report to protect consumers from inaccurate or unfair reporting. Understanding what information is prohibited by the FCRA is…

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Can You Get Personal Loans With Bad Credit?

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Securing a personal loan with bad credit can be challenging, but it’s not impossible. While traditional lenders may be less willing to extend credit to individuals with a history of poor credit, alternative options exist for those in need of financial assistance. First, always ensure your low score is not due to inaccurate information on…

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What information can a credit reporting agency obtain?

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Credit reporting agencies play a crucial role in assessing and compiling individuals’ creditworthiness, providing lenders with information to make informed decisions. These agencies collect a variety of data to create comprehensive credit reports. The information obtained by credit reporting agencies covers various aspects of an individual’s financial history and current credit status. Any inaccuracies on…

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How do you read a credit report?

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Reading a credit report is a crucial skill for maintaining financial health and making informed decisions about your creditworthiness. A credit report provides a comprehensive overview of your credit history, including accounts, payment history, and other relevant financial information. Understanding how to interpret the details on your credit report is essential for managing and improving…

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How to build your credit

Building your credit is a gradual process that involves demonstrating responsible financial behavior over time. A good credit score is essential for securing favorable interest rates on loans, credit cards, and other financial products. Here are some steps to help you build your credit. If you need professional assistance regarding any information on your credit…

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How Can You Increase Your Credit Score?

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Today, qualifying for financing, favorable insurance rates, rental housing, and more is important to many people and households. Your credit score is something that lenders and landlords use to determine your creditworthiness, and they will not hesitate to decline applications if your credit is less than satisfactory. If you believe you have credit disputes you…

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What is the Fair Credit Reporting Act?

Creditors and other large corporations have significant power over consumers, especially when it comes to credit reporting. Companies can report information, and the major credit reporting agencies (Experian, Equifax, and Transunion) will generally add these details to your report without checking for accuracy. Consumers need protection in these situations, and Florida follows the Fair Credit…

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2 Ways to Remove Late Payments From Your Credit Report

A credit card reporting due date is at least 30 days after the last payment. Unfortunately, some creditors or lenders don’t disclose late payments until they’re 60 days past the due date. This is why it’s imperative to check the information on your credit report to know when a late payment appears. When juggling multiple…

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How Does Closing a Credit Card Impact Your Credit?

If you’re worried about your current collection of credit cards, you’re not alone. The average American cardholder has four credit cards, says Experian. Nowadays, banks, credit unions, and even grocery stores are handing out credit cards like Halloween candy. While credit cards offer unique cash-back rewards, annual statement credits, and interest-free financing, they’re designed to…

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5 Consumer Protection Laws You Should Know About

Consumer protection laws are in place to help with issues that may arise when purchasing goods and services. In some cases, you may feel that the business has taken advantage of you, or you may need help if something unexpected happens during or after the sale. These laws also protect consumers from false advertising and…

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