Channel 7 Interview with Mixed File Victim

Channel 7 Interview with Mixed File Victim Last night, Michael Finney of Channel 7 in San Francisco interviewed our client Lisa Allen about her experience with the credit reporting agencies. When Lisa was just a child, the Social Security Administration mistakenly gave her social security number to the guardian of a another Lisa Allen who lived in another state. The mistake occurred because their names were the same and their birthdays were only ten days apart. As the two Lisas went through their teen years, Experian, Equifax and Trans Union mixed their credit files meaning the other Lisa’s credit files...

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Free Credit Reports You May Not Know About

Free Credit Reports You May Not Know About Many of you know you can get free credit reports once a year from Experian, Equifax and Trans Union by going to annualcreditreport.com (or you may call 1.877.322.8228 and use the prompts). But what you may not know is that there are quite a few other credit-related reports you may obtain that relate to your credit standing. These reports may be useful in checking for ID theft or the source of inaccuracies in your credit history. Some of the more useful reports are as follows: 1) Public Records. LexisNexis Personal Reports contain...

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Statutes of Limitation on Credit Card Debt Varies from State to State

CreditCards.com reporter Fred Williams has posted an informative report on the statute of limitations that apply to credit card debts. To determine how long a credit card issuer can file suit, a consumer has to figure out which state’s law applies, how long the statute is in that state, and figure out when the statute began to run on the debt. Each of our 50 states has different laws that apply. In California the statute of limitations is 4 years. Generally, the statute begins to run when the debt first becomes delinquent. The reporter found that some 17 states have...

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Background Check Companies Errrors’ Hurt Applicants

A MSNBC report focuses on the problem of background check companies confusing one person with another with the result that applicants lose job opportunities. MSNBC interviewed a Ms. Catherine Taylor who the Red Cross wanted to hire her as an accountant. She was not hired after a Choice Point criminal background check came back with a rap sheet of drug felonies. The rap sheet was for a different Catherine Taylor who lived in another state. In another case, after Leonard Smith applied for a job, Sterling Information Systems confused him with a sex offender, who was in prison at the...

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