By Law Offices of Jibrael S. Hindi
| Jan 30, 2025
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Credit
As consumers, we all want to ensure that our finances are in order and that we are not being taken advantage of by banks or credit companies. This is why it is important to regularly check our credit reports for…
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By Law Offices of Jibrael S. Hindi
| Jan 24, 2025
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Credit
As a consumer, it is always frustrating to discover inaccuracies on your credit report. These errors can have a negative impact on your financial well-being and future opportunities. Fortunately, there are steps you can take to dispute these inaccuracies and…
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By Law Offices of Jibrael S. Hindi
| Jan 19, 2025
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Credit
If you have noticed errors on your credit report, you are not the only one. It is a common and stressful problem to see inaccurate information that could potentially affect your financial future. However, you have rights under the Fair…
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By Law Offices of Jibrael S. Hindi
| Jan 04, 2025
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Credit
The Fair Credit Reporting Act (FCRA) is a federal law that regulates how credit reporting agencies use consumers’ information. It aims to promote accuracy, fairness, and privacy of information. The FCRA gives consumers the right to access their credit reports,…
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By Law Offices of Jibrael S. Hindi
| Dec 27, 2024
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Credit
Violating the Fair Credit Reporting Act (FCRA) can have serious consequences, both legally and financially. The FCRA is a law in place to protect the rights of consumers when it comes to their credit information. Any party that violates the…
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By Law Offices of Jibrael S. Hindi
| Dec 08, 2024
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Credit
Finding out that your rights under the Fair Credit Reporting Act (FCRA) have been violated can be frustrating. If you believe that a credit reporting agency or a company that has used your credit report has violated the FCRA, it…
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By Law Offices of Jibrael S. Hindi
| Nov 26, 2024
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Credit
Are you struggling with student loans and the negative impact it has on your credit score? Many former students face the same issue, but there is good news. The Fair Credit Reporting Act (FCRA) was established to protect consumers like…
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By Law Offices of Jibrael S. Hindi
| Nov 20, 2024
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Credit
If you have recently co-signed a loan for someone and are now facing difficulties because of it, you may be wondering about your rights and protections under the Fair Credit Reporting Act (FCRA). It can be a frustrating situation when…
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By Law Offices of Jibrael S. Hindi
| Nov 15, 2024
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Credit
Applying for a mortgage can be a complex process, and it is important to understand how the Fair Credit Reporting Act (FCRA) can affect your application. The FCRA is a federal law that regulates how consumer credit information is collected…
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By Law Offices of Jibrael S. Hindi
| Nov 14, 2024
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Credit
Are you frustrated with your low credit score and struggling to improve it? If so, you might be interested to learn how you can utilize your FCRA (Fair Credit Reporting Act) rights to make positive changes. The FCRA grants you…
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By Law Offices of Jibrael S. Hindi
| Nov 08, 2024
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Credit
The Fair Credit Reporting Act (FCRA) provides protections and rights for consumers regarding their credit, though it can be difficult to know your rights and how they practically apply to your financial picture. Specifically, how does the FCRA work regarding…
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By Law Offices of Jibrael S. Hindi
| Nov 01, 2024
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Credit
In FCRA (Fair Credit Reporting Act) litigation, lawyers play a crucial role in ensuring a successful case for consumers. FCRA cases involve disputes regarding inaccurate or misleading information in credit reports, unauthorized access to consumer information, and violations of consumer…
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By Law Offices of Jibrael S. Hindi
| Oct 22, 2024
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Credit
Employer credit checks have become a common practice in today’s job market, but many people do not understand the reason behind them. These checks are not just a mere invasion of privacy or a way for employers to judge candidates…
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By Law Offices of Jibrael S. Hindi
| Oct 22, 2024
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Credit
Bringing a claim under the Fair Credit Reporting Act (FCRA) is already complicated, but it can be more so when you realize there are strict time limits called statutes of limitations. Never wait to seek the guidance of a skilled…
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By Law Offices of Jibrael S. Hindi
| Oct 15, 2024
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Credit
As an employee, you may have wondered why your employer would be interested in your credit report. Employers may review credit reports as a part of their evaluation process to assess your financial responsibility, trustworthiness, and overall suitability for certain…
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By Law Offices of Jibrael S. Hindi
| Sep 23, 2024
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Credit
Issues related to the Fair Credit Reporting Act (FCRA) can be complicated to deal with or even understand on your own. From disputes with credit reporting agencies to violations of your rights as a consumer, the FCRA covers many legal…
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By Law Offices of Jibrael S. Hindi
| Sep 17, 2024
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Credit
FCRA (Fair Credit Reporting Act) violations can be complicated and challenging to address. When someone’s rights are violated under the FCRA, it can result in serious and costly harm, such as being denied credit, housing, or employment opportunities. These violations…
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By Law Offices of Jibrael S. Hindi
| Sep 03, 2024
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Credit
Credit reporting agencies play an important role in maintaining individuals’ credit histories and helping lenders in making credit decisions. However, there are certain privacy concerns that come into play when it comes to sharing this sensitive information. It is important…
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By Law Offices of Jibrael S. Hindi
| Aug 08, 2024
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Credit
Discovering errors on your credit report can be frustrating and concerning. These inaccuracies can negatively impact your credit score and potentially hinder your ability to obtain credit in the future. Always take immediate action to rectify these errors and restore…
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By Law Offices of Jibrael S. Hindi
| Aug 08, 2024
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Credit
The Fair Credit Reporting Act (FCRA) regulates how consumer credit information is handled by credit reporting agencies on the federal level. Under this law, consumers have a number of rights to help protect their credit information and ensure its accuracy….
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By Law Offices of Jibrael S. Hindi
| Aug 01, 2024
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Credit
Being denied credit can be frustrating and confusing, especially if you believe you meet all the necessary requirements for the product you applied for. If your credit application is denied, you should understand your rights and potential courses of action….
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By Law Offices of Jibrael S. Hindi
| Jul 16, 2024
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Credit
Having negative information on your credit report can affect your finances and life in many ways. One of the natural questions people have is how long negative information can stay on their credit report. The answer to this question can…
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By Law Offices of Jibrael S. Hindi
| Mar 18, 2024
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Credit
It can be frustrating and confusing to see incorrect information on your credit report, especially when it comes to your account balances. But don’t worry, there is a solution. By working with a consumer protection attorney, you can take action…
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By Law Offices of Jibrael S. Hindi
| Mar 03, 2024
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Credit
The Fair Credit Reporting Act (FCRA) is a federal law designed to protect consumers from inaccurate or unfair credit reporting practices. However, dealing with FCRA violations can be overwhelming, especially when dealing with common issues that can affect your credit…
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By Law Offices of Jibrael S. Hindi
| Feb 24, 2024
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Credit
If you find yourself dealing with credit issues, whether it be errors on your credit report, inaccurately reported late payments, or even identity theft, the process of repairing your credit can be complex and overwhelming. This is where credit repair…
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By Law Offices of Jibrael S. Hindi
| Feb 10, 2024
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Credit
Credit bureaus play a significant role in shaping our financial future. They are responsible for compiling and maintaining credit reports, which have a significant impact on our ability to obtain loans, secure housing, and even get a job. However, credit…
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By Law Offices of Jibrael S. Hindi
| Feb 05, 2024
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Credit
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…
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By Law Offices of Jibrael S. Hindi
| Jan 28, 2024
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Credit
When it comes to your credit, navigating the complex landscape of federal regulations and consumer rights can be overwhelming. Understanding the protections afforded to you under the Fair Credit Reporting Act (FCRA) is crucial for maintaining your financial well-being. If…
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By Law Offices of Jibrael S. Hindi
| Jan 23, 2024
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Credit
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…
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By Law Offices of Jibrael S. Hindi
| Jan 15, 2024
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Credit
The Fair Credit Reporting Act (FCRA) is a federal law that protects consumers’ rights when it comes to their credit information. If you’re struggling with credit issues, it’s essential to understand your rights under the FCRA and how you can…
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By Law Offices of Jibrael S. Hindi
| Jan 09, 2024
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Credit
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…
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By Law Offices of Jibrael S. Hindi
| Dec 26, 2023
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Credit
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…
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By Law Offices of Jibrael S. Hindi
| Dec 06, 2023
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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…
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By Law Offices of Jibrael S. Hindi
| Nov 15, 2023
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Credit
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…
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By Law Offices of Jibrael S. Hindi
| Nov 02, 2023
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Credit
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…
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By Law Offices of Jibrael S. Hindi
| Nov 23, 2022
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Credit
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…
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By Law Offices of Jibrael S. Hindi
| Nov 09, 2022
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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…
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When you’re the victim of identity theft, it can be a traumatic experience. Not only do you have to deal with the stress of having your personal information stolen and used against you, but it can also take a toll…
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By Law Offices of Jibrael S. Hindi
| Aug 08, 2022
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Credit
When you owe money to a credit card company, utility company, bank, or any other creditor, you could be sued in civil court and have that judgment entered on your credit report. Obviously, having a civil judgment on your credit…
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By Law Offices of Jibrael S. Hindi
| Aug 01, 2022
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Credit
The numerous variables of your credit report can be intimidating, especially if you are simply trying to improve your rating. It can be difficult to contend with all of the sometimes conflicting information as well as keeping track of the…
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By Law Offices of Jibrael S. Hindi
| Jul 01, 2022
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Credit
If you’re wondering what laws might apply to independent contractors in the state of Florida, you’re not alone. Some of these statutes and laws are written in ways that establish a gray area, creating confusion for human resources and alternate…
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By Law Offices of Jibrael S. Hindi
| Jun 15, 2022
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Credit,
Debt
Medical issues, whether they happen to you or someone in your family, can have an extremely negative impact on your everyday life. Not only will you have to focus on healing and getting back to normalcy at work and home,…
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By Law Offices of Jibrael S. Hindi
| Jun 08, 2022
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Credit
Dealing with creditors is difficult enough on its own, but when reporting errors show up on your credit report and hurt your credit rating, it can be very demoralizing. If this has happened to you, you know first hand that…
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By Law Offices of Jibrael S. Hindi
| May 15, 2022
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Credit
When you are a job applicant, it is essential to have a perfect resume, cover letter, and interview. What you may not know is that polishing your credit is also a vital part of the application process. The Professional Background…
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By Law Offices of Jibrael S. Hindi
| May 01, 2022
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Credit
A consumer’s financial future is greatly affected by what is in their credit report. Keeping close tabs on the rise and fall of the score may be important for everyone. Your credit report may dictate whether you qualify for certain…
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By Law Offices of Jibrael S. Hindi
| Apr 15, 2022
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Credit
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…
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By Law Offices of Jibrael S. Hindi
| Apr 01, 2022
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Credit
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…
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By Law Offices of Jibrael S. Hindi
| Mar 15, 2022
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Credit
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…
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By Law Offices of Jibrael S. Hindi
| Mar 02, 2022
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Credit
Having a good credit score is essential to take care of many of life’s necessities, such as buying or renting a home or purchasing a car. Since your score can impact many areas of your life, credit bureaus are required…
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By Law Offices of Jibrael S. Hindi
| Feb 16, 2022
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Credit
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…
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By Law Offices of Jibrael S. Hindi
| Jan 19, 2022
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Credit
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…
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By Law Offices of Jibrael S. Hindi
| Dec 15, 2021
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Credit
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…
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By Law Offices of Jibrael S. Hindi
| Jan 03, 2020
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Credit
Credit reporting agencies are legally required to gather and report consumer information with the utmost accuracy. Combined, the three largest credit reporting agencies – Experian, TransUnion, and Equifax – keep files on hundreds of millions of Americans and issue billions…
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By Law Offices of Jibrael S. Hindi
| Jul 30, 2019
|
Credit,
Debt
One of the most nerve-wracking aspects of a credit report is the moment between clicking “review” and waiting for when the report is generated. Whether you have good or bad credit, a credit report can always overwhelming, especially when it…
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By Law Offices of Jibrael S. Hindi
| May 01, 2019
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Credit
Most people would never think that their three by three-inch credit card could one day make them the target of a lawsuit by a multi-billion-dollar corporation, but it can happen. More often than not, credit card companies looking to get…
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By Law Offices of Jibrael S. Hindi
| Oct 21, 2018
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Credit
If you’ve been a victim of identity theft, you are likely familiar with how much your life can change. Identity thieves can take your financial information, purchase expensive items in your name, and leave you to deal with the consequences….
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By Law Offices of Jibrael S. Hindi
| Jun 15, 2018
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Credit
In this day in age, living without some line of credit is nearly impossible. With credit being a necessity to purchase a home or car and when renting, it is of no surprise why roughly 79% of Americans have at…
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By Law Offices of Jibrael S. Hindi
| Jun 08, 2018
|
Credit
Are you struggling to track down your debt collector? It may sound a bit off kilter, but this is a common issue for debtors. A TransUnion study concluded that Americans possess an average of 2.69 credit cards per person. Combine…
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By Law Offices of Jibrael S. Hindi
| May 30, 2018
|
Credit
The role of marketers is to ensure that their brand remains relevant in the eyes of the consumer. In this day and age, easing your foot off of the figurative marketing pedal can result in a competitor taking over the…
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By Law Offices of Jibrael S. Hindi
| May 26, 2018
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Credit
It has become common knowledge that robocalls are illegal, yet and still, companies continue to place them at an alarming rate. For those unaware, a robocall is call placed using an automatic telephone dialing system (ATDS). The technology used can…
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By Law Offices of Jibrael S. Hindi
| May 23, 2018
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Credit
The Telephone Consumer Protection Act (TCPA) has long-served as the protective barrier between consumers and unsolicited calls and texts. The statute protects consumers from calls made using automated telephone dialing systems (ATDS), otherwise known as robocalls. Telemarketers, debt collectors, and…
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By Law Offices of Jibrael S. Hindi
| May 16, 2018
|
Credit
Remember the days when spam was a few stray pieces of mail in your mailbox welcoming you to sign up for a credit card or accept a “free” cruise? It has then since evolved to thousands of unread messages in…
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By Law Offices of Jibrael S. Hindi
| May 09, 2018
|
Credit
Have you ever received a phone call from someone selling luxury catalog items, digital protection, or worse, chocolate? These are some of the most common telemarketing calls placed on a daily basis to millions of unwilling Americans. When faced with…
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By Law Offices of Jibrael S. Hindi
| May 02, 2018
|
Credit
Many Americans would admit that they have become somewhat immune to debt collection calls. With calls occurring at such a high frequency and regarding everything from student loans to mortgage payments, people often forget to stop and figure out if…
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By Law Offices of Jibrael S. Hindi
| Mar 12, 2018
|
Credit
Your credit score is likely something you hold dear to your heart, as you should. It can expose you to exclusive opportunities while simultaneously restricting you to limited, unfavorable options. With services like Credit Karma and myFICO, individuals can get…
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By Law Offices of Jibrael S. Hindi
| Dec 26, 2017
|
Credit
People commonly associate credit checks with events like purchasing a car, renting a home, applying for a loan, and many other situations where knowing your credit history is pertinent. One instance when many people do not expect to have their…
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By Law Offices of Jibrael S. Hindi
| Nov 02, 2017
|
Credit
People use their credit cards to purchase just about anything in-store or online, leaving the opportunity for complications to arise. Many consumers choose to shop strictly with cash to avoid the possible problems associated with regular credit card use. One…
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By Law Offices of Jibrael S. Hindi
| Oct 02, 2017
|
Credit
There are a few things you must pay attention to when you open a credit card account: the annual percentage rate (APR), credit limit, and any charges or fees. Knowing this information can help you choose the right credit card,…
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By Law Offices of Jibrael S. Hindi
| Sep 16, 2017
|
Credit
Credit cards are known to be convenient finance options, but there is plenty more to having a credit card than knowing your limit. There are retailers and financial institutions that access your credit report via inquiries that have the potential…
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By Law Offices of Jibrael S. Hindi
| Sep 09, 2017
|
Credit
Unbeknownst to them, college students and high school seniors are primary targets of identity theft. Their credit reports are typically limited, and neither they nor their parents tend to pay much attention to their credit history. Combine this with young…
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By Law Offices of Jibrael S. Hindi
| May 24, 2017
|
Credit,
Debt
An improperly programmed register can easily print your sensitive information on the receipt, exposing you and thousands of others to fraud. This has happened to many Americans and continues to be an issue which is why Congress implemented the Fair…
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Major healthcare diagnostics company LabCorp has settled a striking class action lawsuit for allegations that it violated terms of the Fair and Accurate Credit Transactions Act (FACTA). With over 50 locations throughout Florida, they are a prominent healthcare provider known…
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By Law Offices of Jibrael S. Hindi
| Apr 10, 2017
|
Credit
Having to choose which debts to pay off first is not a situation anyone wants to be in, yet millions of Americans face these decisions every day. When it comes to credit card debt and payday loan debt, it can…
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In the consumer banking industry, Wells Fargo is not known for doing what is best for their customers. Just last year, they settled a massive class-action lawsuit for over $16 million after allegations that they had violated the Telephone Consumer…
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By Law Offices of Jibrael S. Hindi
| Jan 23, 2017
|
Credit
Forced arbitration clauses have made their way into hundreds of consumer contracts. Whether you are buying a cell phone plan, signing up for a credit card or even purchasing a car (or the insurance that comes with it), you have…
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By Law Offices of Jibrael S. Hindi
| Jan 19, 2017
|
Credit
If you have signed up for a credit card or even downloaded a coupon for a box of cereal recently, you probably have agreed to forced arbitration. Nearly everyone in America has agreed to a forced arbitration clause at some…
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By Law Offices of Jibrael S. Hindi
| Jan 17, 2017
|
Credit,
Debt
Using a credit card comes with a lot of responsibility and can carry certain risks, yet recent data from the Federal Reserve Bank of New York revealed that credit cards are being opened at an alarming rate. As of June…
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By Law Offices of Jibrael S. Hindi
| Jan 10, 2017
|
Credit
Identity theft is a prevalent crime in the United States, with approximately 9 million cases each year. Thieves who steal people’s identities to commit fraud can deplete funds, hurt consumer’s credit scores and even make it difficult for patients to…
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By Law Offices of Jibrael S. Hindi
| Jan 03, 2017
|
Credit,
Debt
Consumers have many protections in the United States as incidents of fraud are rampant. As an increasing number of consumers rely upon credit and debit cards to make purchases, more sensitive information is released and put at risk of fraud….
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By Law Offices of Jibrael S. Hindi
| Oct 03, 2016
|
Credit
There is no shortage of debt collection agencies throughout the country ready to pounce on consumers who have fallen behind in paying their bills. Millions of Americans are in debt right now and for many, their daily lives are further…
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By Law Offices of Jibrael S. Hindi
| Aug 17, 2016
|
Credit
When you have outstanding debt with a credit card company you become a target of debt collectors. Whether it is the original creditor or a collection agency, you run the risk of becoming the victim of debt collection harassment. Only…
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By Law Offices of Jibrael S. Hindi
| Jun 24, 2016
|
Credit,
Debt
These days, most people carry a debit card with them in place of cash to pay for purchases when they do not want to run up their credit cards. In fact, 185 million people in the United States are debit…
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