Topic
Credit Reports
92 published works
Consumer Financial Services Law Monitor
Nationwide Shifts in Background Checks: New York’s Credit Ban, Virginia’s Sealed Records Law, and Federal FCRA Reform
By David M. Gettings, Kim Phan, Tim J. St. George
In this episode of FCRA Focus, hosts Kim Phan and Dave Gettings are joined by colleague Tim St. George to unpack major legislative developments impacting employment background screening. They discuss…
Pennsylvania Divorce and Domestic Relations Blog
Should You Look at Your Child’s Credit Report?
By Mark Ashton
The question seems bizarre. Children, i.e., minors don’t have credit histories….right? This writer would have answered the question affirmatively until I read the Moneywise article published last week. The caption…
The Debt Lawyers Blog
Why Settled Debts May Appear as Open on Your Credit Report
You did it. You went through the whole process of a debt settlement. You put in the work to get that nagging credit card debt or personal loan behind you.…
The Debt Lawyers Blog
How to Dispute Inaccurate Debt Accounts on Your Credit Report
That sinking feeling when you check your credit report and see a debt you don’t recognize is a unique kind of stress. It’s a shadow that can follow your financial…
The Debt Lawyers Blog
How Long Does Debt Settlement Stay on Your Credit Report?
Your credit report matters — a lot. When your report looks good, doors open: new homes, new cars, and credit cards with great perks come within reach. But when negatives…
Consumer Finance and Fintech Blog
CFPB Finalizes Rule Removing Medical Bills from Credit Reports
By A.J. Dhaliwal, Mehul Madia, Maxwell Earp-Thomas
On January 7, 2025, the CFPB announced the finalization of a rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., to…
Consumer Financial Services Law Monitor
Federal Court Allows FCRA Claim to Proceed Over Alleged Unauthorized Credit Pulls
By Ethan G. Ostroff, Jacob Kozaczuk, Caroline Buggé, David N. Anthony
Recently, the Eastern District of Kentucky denied a motion to dismiss under the Fair Credit Reporting Act (FCRA) after finding the plaintiffs alleged sufficient facts to support a reasonable inference…
The Debt Lawyers Blog
The Top Resources to Get Free Credit Reports and Save Your Money
Many folks mistakenly believe that getting a credit report requires opening their wallets. They might think it’s a necessary expense, or they simply might not be aware of the free…
Employment Law Lookout
Massachusetts Set to Restrict Employers from Using Credit Checks in Making Employment Decisions
By Jean M. Wilson and Pamela Q. Devata Seyfarth Synopsis: On March 14, 2024, the Massachusetts House of Representatives passed legislation that would prohibit employers from obtaining or using a true credit report…
Aging Parents Blog
Why You Need To Check Your Aging Parent’s Credit Report
By Mikol Davis
For a long time, we were entitled to only an annual credit report from the three reporting agencies: EquifaxEFX, Experian and TransUnion. Now you can get a report weekly and…