-
Do I Need an Attorney to Dispute My Credit Report?
Download our FREE guide on how to dispute your credit report What is a credit report and why dispute it? If you're like most people, you've heard of credit reports, but you may not know exactly what one is. A credit report is a record of your borrowing and repayment history. It includes information about how much money you've borrowed and how on time (or not) you've been with making repayments. If you've ever applied for a loan or credit card, the lender has likely checked your credit score and report. How can I correct mistakes on my credit report? First, know how importan ...
Read More -
What to Do if a Client has a Mixed Credit File
February 21, 2022Consumer ProtectionCredit ReportingIdentity Theft and Fraud
If you have a client who is dealing with mixed credit file issues, you need to act immediately. A mixed credit file can cause many problems for your client, including difficulty in obtaining loans or mortgages. In this blog post, we will discuss what a mixed credit file is and how lawyers can help their clients deal with the problem. What is a mixed credit file? A mixed credit file is a credit report that contains information from two consumers and combines them into a single credit report. Let's say you have a client named "Sally Emily Smith." Sally's credit SHOULD be stellar (she's ...
Read More -
Can a Debt Collector Sue You?
January 18, 2022Consumer ProtectionDebt Collection Abuse
I get asked this question a lot. And the answer is (like so many things in life) "it depends." In the past 20 years in the United States, many collection agencies that used to collect only debts for others started buying that debt (insiders call this debt "paper."). Sometimes the debt is very old (perhaps years beyond the statute of limitations which, in South Carolina, is typically 3 years from the last payment). These debt collectors - or debt buyers more accurately - can sue you to collect this debt. If you live in South Carolina, they will typically sue you in South Caro ...
Read More