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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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Overcoming 30k in Credit Card Debt

By Law Offices of Jibrael S. Hindi | Sep 15, 2019

For Americans, dealing with debt is an all too familiar dilemma. Whether it’s student loans, personal loans, or credit cards, debt comes in many forms. With the majority of all three living American generations buried under mountains of debt, having a solution to deal with this issue is essential. Among the hardest forms of debt…

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Why is South Florida a Hotbed for Robocalls?

By Law Offices of Jibrael S. Hindi | Aug 28, 2019

Robocalls are a familiar story for consumers with debt. Even without debt, robocalls can be pervasive and frustrating. Incessant calls, instant hang-ups, and a number of other issues are presented whenever these kinds of calls occur. It’s no surprise that a recent index has shown Ft. Lauderdale and Miami, two of South Florida’s largest cities,…

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How Often Can Debt Collectors Call Legally?

By Law Offices of Jibrael S. Hindi | Aug 13, 2019

Whether it’s student loans, credit cards, or that payday loan you still owe money on, debt collectors don’t discriminate. If you’re overdue on a payment, debt collectors will call endlessly on behalf of their clients to money owed. Despite their exuberance, debt collectors cannot call without being checked by legislation like the Fair Debt Collection…

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What to Look for on Your Credit Report

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

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 comes to figuring out what actually matters on the document. It’s essential that before you…

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