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3 Ways to Get a Collection Removed from Your Credit Report

By Law Offices of Jibrael S. Hindi | Feb 16, 2022

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?

By Law Offices of Jibrael S. Hindi | Jan 19, 2022

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

By Law Offices of Jibrael S. Hindi | Jan 5, 2022

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

By Law Offices of Jibrael S. Hindi | Dec 29, 2021

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

By Law Offices of Jibrael S. Hindi | Dec 15, 2021

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

By Law Offices of Jibrael S. Hindi | May 15, 2020
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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How to Stop Unwanted Calls and Text Messages

By Law Offices of Jibrael S. Hindi | Jan 8, 2020
Unwanted Phone Calls

The National Do Not Call Registry was created to stop unwanted sales calls and it’s free to register your home phone or cell phone. However, many of us continue to endure unwanted telephone calls and text messages from bizarre telemarketers and obnoxious debt collectors.  They disrupt our serenity, waste our time and slowly kill the…

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Understanding the Fair Credit Reporting Act

By Law Offices of Jibrael S. Hindi | Jan 3, 2020
Fair Credit Reporting Act

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 of credit reports each year. This voluminous amount of information makes errors inevitable.  The Fair…

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Top 5 Expenses Destroying Your Budget

By Law Offices of Jibrael S. Hindi | Sep 30, 2019

Whether it’s managing debt or being able to keep your finances in order, having an organized budget is essential. One of the best ways to improve your budgeting is to eliminate expenses that are no longer necessary.  By focusing on the parts of your budget that are drains on your overall solvency, you’ll be better…

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