FCRA

Time for Your Yearly (Credit) Checkup

The Consumer Federal Protection Bureau advises consumers in a recent notice to get their yearly credit checkup. Many people are not aware that under federal law they can obtain their credit reports for free once per year. You can obtain your own credit reports by calling...

Culik Law Files Credit Reporting Suit Against PNC

Culik Law has filed a lawsuit against mortgage giant PNC Bank in federal court in Boston, Massachusetts. The lawsuit alleges that PNC furnished inaccurate information about a Massachusetts consumer’s account history, which was included on the consumer’s credit report. The suit also alleges that PNC unlawfully...

credit report

The Other Downsides of Bad Credit

Sure, we all know the negative impact of a poor credit or FICO score on your finances. Poor credit can result in higher interest rates and denial for credit cards, mortgages, and auto loans. But, today credit has become a much larger factor which not...

What to Do If You’re Sued by a Debt Buyer

While I was at court today, the clerk held “first call,” in which all cases on the schedule were called out, in order to see who was in attendance. Today’s first call was essentially a who’s who list of Massachusetts debt buyers such as LVNV...

Credit Reporting Rights Culik Law

Fair Credit Reporting Act: 5 Big Rights You Should Know

Your credit report plays a huge part in big life purchases, employment, and helping you  appear financially fit for lower interest rates, credit approval, and funding for personal or business needs. It's important that it's correct and reflects an accurate portrayal of your payment and...

Culik Law Credit Reporting

More Ways To Dispute Errors On Your Credit Report

Until recently, if a consumer had a dispute about an inaccurate credit report, he or she could submit a dispute online, but could not provide any supporting information. Because no documentation could be provided, this made it unlikely that the dispute would be resolved. But the...