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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Can a Lawyer Help Me Repair My Credit After Identity Theft?

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 on your credit score. Unfortunately, repairing your credit after being a victim of identity theft…

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3 Ways to Remove Civil Judgments From Your Credit Report

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 report can be devastating to your overall rating, especially if you are trying to rebuild…

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When Is a Company Considered a Consumer Reporting Agency?

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 ins-and-outs of your personal credit score. When it comes to determining how your credit score…

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How Does the FCRA Impact Florida Independent Contractors

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 employers. Are you worried about misclassification? Do you want to make sure you’re in compliance…

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Look Out for These 5 Common Credit Report Errors

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 credit report errors are common and can be harmful to your credit and daily life.…

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How Is the Fair Credit Reporting Act (FCRA) Beneficial for Job Applicants?

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 Screening Association estimates that around 96% of employers conduct a pre-employment background check, with 25%…

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Watch Out for These 4 Common Fair Credit Reporting Act (FCRA) Violations

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 important financial opportunities like renting or buying property, qualifying for a loan, being approved for…

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