Kevin C Mallon’s Answers

Kevin C Mallon

New York Credit Repair Attorney.

Contributor Level 3
  1. What to do if was reported to credit bureau?

    Answered 2 days ago.

    1. Kevin C Mallon
    2. Frank Junior Borgese
    3. Brent Francis Vullings
    3 lawyer answers

    It depends on what negative item was placed on your credit report. Was the information in accurate or misleading in any way? If so the best course of action is likely to write a detailed dispute letter to each of the three major credit reporting agencies (Experian, Equifax, and Trans Union) including as much detail and evidence as possible Be sure to keep a copy of whatever you send them. The credit reporting agencies then have 30 days to confer with the furnisher of the negative information...

    7 lawyers agreed with this answer

  2. Do I need an attorney? If so, what documentation is needed to show banks?

    Answered 6 days ago.

    1. E. Martin Davidoff
    2. Kevin C Mallon
    3. Brett Alan Smith
    3 lawyer answers

    You should be able to join the account by going to a branch with legal identification and with you aunt's permission.

    1 lawyer agreed with this answer

  3. Can old debts be lumped with new debts by collection agency

    Answered about 2 years ago.

    1. David M. Kasell
    2. Eric Edward Rothstein
    3. Kevin C Mallon
    4. Michael Glynn Busby Jr.
    4 lawyer answers

    No, they are not allowed to 'lump' accounts together like this. If theya reporting both debts on yoru credit report that's a likely violation of the FCRA since they can only report a debt for 7 years on your credit report. If you agree top pay the 2011 debt be sure that they first confirm in writing that they will delete the tradeline from your credit report once the debt is paid.

    1 lawyer agreed with this answer

  4. I was victimized by bank account fraud to launder embezzled monies from me, how do I prove this to banks / IRS?

    Answered 6 days ago.

    1. Jack Mevorach
    2. Mohammed Ahmed Gangat
    3. Kevin C Mallon
    3 lawyer answers

    I would contact a representative from the bank and ask them for information regarding your account.

  5. Collecting from a judgment

    Answered about 2 years ago.

    1. Eric Edward Rothstein
    2. Rory M. Alarcon
    3. Kevin C Mallon
    3 lawyer answers

    If you know where they work you can contact a local Marshall or Sheriff and have them send the debtor notice of a wage garnishment of up to 10% of their salary.

  6. How to protect current credit score?

    Answered 6 days ago.

    1. Brian J Woolf
    2. Brent Francis Vullings
    3. Kevin C Mallon
    3 lawyer answers

    Closing your credit cards will have a negative impact on your use of available credit ratio. Credit scores are also based on how long you've had open accounts, so do not close any credit card accounts while you are overseas. You don't need to keep using these account....just keep them open.

    1 lawyer agreed with this answer

  7. Bankruptcy, Judgement and credit score

    Answered 9 months ago.

    1. Lisa Torelli McCue
    2. Brendan Michael Kelly
    3. K. Hunter Goff
    4. Adam Swartz
    5. Kevin C Mallon
    5 lawyer answers

    Typically it will stay on your report for 7 years, thought technically under the FCRA a credit reporting company can keep it on your report as long as the judgment is enforceable. In NY paid judgment must be removed after only 5 years.

    1 lawyer agreed with this answer

  8. Should I retain an attorney for my unsecured debt (credit cards)

    Answered 6 days ago.

    1. Brian J Woolf
    2. Eric L Foster
    3. Kendall David Coffman
    4. Kevin C Mallon
    4 lawyer answers

    It's highly unlikely this will turn into a criminal case - they are likely just trying to collect on the credit card debt. Once you find the name of the law firm call them and try and work out a payment plan - tell them you make very little money and they may give you a very reasonable payment plan.

  9. How to Remove Judgement from Credit Report after it was vacated, tried and judgement was made for $0 to me the defendant

    Answered 6 days ago.

    1. David W. Brown
    2. Brent Francis Vullings
    3. Stuart M Nachbar
    4. Kevin C Mallon
    4 lawyer answers

    Sending a copy of the report to each of the major credit reporting agencies is a good idea, but not always absolutely necessary. The credit reporting agencies are supposed to have procedures in place to fix this on their own without you telling them they made a mistake. My firm is in your area and can give you some free advice if you want to contact me.