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Kevin C Mallon

Kevin Mallon’s Answers

130 total


  • Credit Reporting Agency made error on my credit report

    I thought when a credit reporting agency reported something wrong on your credit report it they had to delete the account from your report if requested. While the other credit reporting agencies had bankruptcy listed on my report for a few credit ...

    Kevin’s Answer

    They are not required to remove accurate account information just because they had it wrong in the past. If you were harmed by their inaccurate reporting before they fixed it then you may have a claim against them, but that could be hard to prove where you just filed of bankruptcy.

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  • Do I have a case for negligence or anything for disclosing personal information?

    I have 2 debts from 2012. Today an attorney called my father's phone, who was never involved in the debt, and disclosed personal information about my accounts including dates, amounts, settlements, and pending court fees. We share the same first a...

    Kevin’s Answer

    In all likelihood yes. You may also want to check your credit reports to make sure that that credit reporting agencies do not have you mixed up with your father. You should definitely contact a NY attorney.

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  • What if anything can I do to get this removed from my credit report. Not just closed but it removed completely?

    So i disputed an item on my credit report. It came back that the item is accurate. But I believe that sol may have past. After my dispute i have got a letter my the collection agency saying the law limits how long we can sue you for the debt, and ...

    Kevin’s Answer

    Negative credit items may remain on your report for approximately 7 years after the date they became negative. Your state's statute of limitations is not relevant here.

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  • How do I get the registration in my name.

    I put my credit on the line for a friend. They stopped making payments on a car.

    Kevin’s Answer

    You'd have to sue your friend for title to the car. There is no other way that I can think of.

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  • Will issuing a subpoena to credit card companies to disclose applicant information help to discover who is applying? thanks

    Three years ago my mother's social security number was compromised and ever since then she keeps getting credit card rejections/activation and home/auto loan offers in the mail. An individual was arrested for using my mother's social security numb...

    Kevin’s Answer

    You can't issue a subpoena without falling a lawsuit. Your mother should place a security freeze on her account, which is much stronger than a fraud alert and should solve the problem.

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  • Is it legal to give a bad remark on my credit report with no written or verbal contract / agreement of a set amt and pay date

    I received a bad mark on my credit report from a collection agency.

    Kevin’s Answer

    To get better advice you'll need to be more specific, but if you legally owe a debt to someone it can be reported on your credit reports. However as a practical matter it's usually only banks, credit card companies, etc. and debt collectors that report information to the credit repair agencies.

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  • My question, what I should do or ask the plaintiff to do to remove the judgment from my public record and from credit card?

    I had a small claim court which I lost to the plaintiff ( landlord), however I appeal the judgment, and before the court date, i settle the case with the plaintiff for agreed to drop and dismissed all charges. My question, what I should do or ask...

    Kevin’s Answer

    I'm not entirely sure that small claims court judgments are reported by the major credit reporting agencies. Before worrying about this I'd check your credit reports to see if it's even on there. If it is, then the only way to get it removed is to have the judgment vacated. Ask the plaintiff if they will agree to that. If not it should at least be reported as satisfied, which is better than an unpaid judgment.

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  • Trying to settle a judgment so it can be removed from my credit report.

    I have judgment against me from back in October 2009 for a HSBC credit card. HSBC sold my account to Capital One after judgment and garnishing my bank account and the last thing is they filed is PRAECIPE TO MARK JUDGMENT TO THE USE OF CAPITAL ONE ...

    Kevin’s Answer

    It's not clear based on your question if the judgment has been satisfied or not. Either way the credit reporting agencies can report judgment for 7 years. If you want to get the judgment off your reports you have to get the judgment vacated, either by the other attorney's agreeing to vacate it or via a motion to the Court to vacate the judgment.

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  • How can an establishment destroy his credit when he has nothing to do with his exs filings nor do her filings include the house

    my fiancé is trying to refinance his house but ex wife of 4 years just filed bankruptcy and the mortgage establishment removed the house from HIS credit score. When divorced 4 years ago he had a year to get her name off the deed. the house was ...

    Kevin’s Answer

    Unfortunately you can not force a lender to report a loan to the credit reporting agencies (though you can certainly make the request). I would explain the situation to potential lenders....maybe try a smaller, local bank who's willing to consider your fiancee's circumstances.

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  • What creditials do u need to open an credit repair company?

    Credit repairs

    Kevin’s Answer

    You'll need to be familiar with the very strict requirements of the Credit Repair Organizations Act. You should also be familiar with the Fair Credit Reporting Act. You'll also want to check to see if there are any state licensing requirements.

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