Guerino John Cento’s Answers

Guerino John Cento

Indianapolis Credit Repair Attorney.

Contributor Level 9
  1. What is the Eviction Process in Indiana After Foreclosure

    Answered over 2 years ago.

    1. Guerino John Cento
    1 lawyer answer

    Since you say the home has already been sold, there must have been a judgment entered against you. That judgment would have included an order for possession of the property. To enforce that order the new owner only needs to ask the sheriff to act upon the order. You should either agree to lease the property or move out immediately.

    1 lawyer agreed with this answer

    1 person marked this answer as helpful

  2. Can I sue credit companies for Defamation of Character?

    Answered over 1 year ago.

    1. Guerino John Cento
    2. Eugene P. Castagliuolo
    3. Matthew Scott Berkus
    3 lawyer answers

    No. Defamation and other state law claims are preempted by the Fair Credit Reporting Act. You may have claims under that statute however.

    3 lawyers agreed with this answer

  3. 4 or 5 months ago my credit score was 813. Two loans have been pd off since then and my score was lowered by 100.

    Answered over 2 years ago.

    1. Michael J Corbin
    2. Guerino John Cento
    3. John Addison Vos
    3 lawyer answers

    Before I can answer that question accurately, I need to know which credit score you are evaluating. Are we talking about your FICO score, Vantage Score, or your score from one of the consumer reporting agencies. If you're not sure, let me know how and where you obtained the score.

    3 lawyers agreed with this answer

  4. Do we have a case if previous owners lied on sellers disclosure form about basement leaking?

    Answered almost 3 years ago.

    1. Guerino John Cento
    1 lawyer answer

    Current Indiana law holds that even as to fraudulent representations, a purchaser has no right to rely upon the representations of a vendor as to the quality of the property, where he has a reasonable opportunity of examining the property and judging for himself as to its qualities. So the short answer to your first question is "probably not." The answer to your second question is also "probably not." This is because to have any chance of prevailing you would likely need to bring this...

    1 lawyer agreed with this answer

  5. Can zombie credit collection agencies "hard pull" my credit report/history without permission?

    Answered over 1 year ago.

    1. Dorothy G Bunce
    2. Guerino John Cento
    3. Jeffrey Neil Wilens
    3 lawyer answers

    You can dispute that inquiry directly with the consumer reporting agency that furnished the report. If it was Trans Union, Equifax or Experian, you can submit that dispute online or may regular mail, phone or fax. The federal law which governs when an agency can furnish a credit report is the Fair Credit Reporting Act, specifically 15 USC 1681b, not the Fair Debt Collection Practices Act. If your report was furnished without a permissible purpose, you may have claims against the consumer...

    2 lawyers agreed with this answer

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  6. Was the fair credit reporting act violated if Sterling inaccurately advised several major companies that I was a Felon?

    Answered over 1 year ago.

    1. Guerino John Cento
    2. Stuart M Nachbar
    3. Pajman Jassim
    3 lawyer answers

    I am currently representing another consumer who also faced inaccurate reporting by Sterling and on whose behalf we have filed claims under the Fair Credit Reporting Act. Depending upon the particulars of your case, I would say there is a chance the FCRA has been violated.

    2 lawyers agreed with this answer

  7. A bill in my sons name, is my debt, I didn't pay, is on his credit report. Can the credit bureau remove it if I say its my debt?

    Answered over 2 years ago.

    1. Guerino John Cento
    2. Dorothy G Bunce
    2 lawyer answers

    Unfortunately, I believe the answer to your question is "no." You may have accepted responsibility for it between you and your son but that acceptance did not make you the responsible party as far as the creditor was concerned. In other words, it remained your son's obligation to pay. That it is now reported on his credit report is accurate and there is no legal way to remove accurate information from a credit report.

    2 lawyers agreed with this answer

  8. If I do not pay a demand letter from a retailer will that show up on my credit report? will my interest rates go up?

    Answered over 2 years ago.

    1. Troy Austin Pickard
    2. Guerino John Cento
    3. Michael Charles Doland
    3 lawyer answers

    The only way something like this would end up on your credit report is if Wal-Mart files a lawsuit and obtains a judgment against you. The judgment would then be part of the public record and would be reported to the consumer reporting agencies by their public information vendors. So, to keep this off of your credit report you will need to successfuly defend against any action Wal-Mart may bring related to this incident.

    2 lawyers agreed with this answer

  9. Am I out of the court's jurisdiction?

    Answered over 2 years ago.

    1. Guerino John Cento
    2. Eric Charles Lewis
    2 lawyer answers

    Sounds like you were never properly served and, therefore, could move to have the default judgment set aside. As for garnishment, they would not be able to garnish your wages earned in NC without first "domesticating" their default judgment in the NC county in which you reside.

  10. In Indiana how long is a lien on a homestead good for?

    Answered over 2 years ago.

    1. Guerino John Cento
    2. C. C. Abbott
    3. Ekaette Patty-Anne Eddings
    4. Jason Todd Lorenzon
    4 lawyer answers

    Assuming you are talking about a mechanic's lien, the lien holder must file a complaint to enforce the lien within one year. After a year the lien is void.