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Tag : FCRA

Credit After Bankrutpcy Just Got a Bit Better

Chapter 13, Chapter 7, Discharge Violations, Fair Credit Reporting

This just in!  As originally reported in the New York Times and posted through Consumerists’ (@Consumerist) blog, JP Morgan Chase and Bank of America have both agreed to clear debt from credit reports that was discharged in bankruptcy.  This is great news and about time the big banks acted in accordance with federal laws. These […]

Help For Identity Theft Victims

Debt Collections, Fair Credit Reporting

If you’re a victim of identity theft, where do you begin to clear your good credit and your name? With the increased internet hacking cases, it’s more important than ever to protect your identity.  No matter how proactive you are, identity theft can strike anyone at any time.  When it does, you need a plan […]

Should I Pay A Bogus Bill To Save My Credit Rating?

Chapter 13, Chapter 7, Debt Collections, Fair Credit Reporting, Fair Debt Collections Practices

I definitely have heated opinions every Sunday when I read Liz Weston’s (@lizweston) “Money Talk” articles.  She’s a journalist who has published books on money, so she’s an expert right? Well, she definitely tries to help, while avoiding the unauthorized practice of law because she is not a lawyer.  Recently, a reader asked whether they […]

Debt Forgiveness Plan

Bankruptcy Law Overview, Debt Collections, Fair Credit Reporting, Fair Debt Collections Practices

Do you have very old debt lingering on your credit report?  In California, if it has been more than four years since you first became delinquent; i.e., missed a payment, then the debt collector can no longer sue you to collect on that debt.  HOWEVER, that doesn’t mean that the debt is forgiven, or that […]

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