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Guerino John Cento

Guerino Cento’s Answers

27 total

  • My credit score has been seriously unjustly damaged despite written guarantees to the contrary. Can I sue?

    From June 2011 till November 2011 I rented an apartment in Houston. Settled all my bills including breakage cost for the lease before leaving. Was surprised towards the end of 2012 to receive a letter that I still owed some money. I called the lad...

    Guerino’s Answer

    If the landlord reported inaccurate information to the consumer reporting agencies, you would need to dispute the reporting through the agencies before you could have any claim against landlord.

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  • Can I sue credit companies for Defamation of Character?

    I applied for a job with FHP and was denied employment because of my credit. But the credit companies are giving out the wrong information about me because my report is 100% false and makes me look terrible. Now I understand why I haven't been abl...

    Guerino’s Answer

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

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

    Sterling Infosystems has been reporting that I am a felon for the past 7 years and has cost me jobs with countless employers. I can remember applying to work for Insight Communications in 2009 they gave me a call stated I had felonies, I advised t...

    Guerino’s Answer

    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.

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  • Can a credit union your not banking with run your credit score?

    We used a small business to register our car. The money was withdrawn twice. The bank for the company is refusing to pay us our money back for the cost. It was $200 to register and they took it twice. Their saying they can take several weeks to re...

    Guerino’s Answer

    Because they are referencing your credit score, the bank must have pulled your credit report. There are many permissible purposes under federal law for which someone can pull your credit report. However, most of them do not seem to apply to your situation; with one or two possible exceptions. Based on what you wrote, I would say that unless you have an account with that bank and the bank was performing an account review to determine whether you still meet the terms of the account, I would say there is a good chance they pulled your report without a permissible purpose and that you may have claims agains the bank. You should review your credit reports to see if the bank did in fact obtain your report which you can do by going to annualcreditreport.com. If the bank obtained your report, you will find the bank listed in the inquiry section of your report.

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

    Is this legal for them to hard pull without permission? Hard pulls lower credit score. These hard pulls are in connection with a debt that is 7 years old. When I recently applied for a private student loan, although I have no negative accounts ...

    Guerino’s Answer

    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 reporting agency (the credit bureau) and/or the collection agency.

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  • I have a twin and we are having credit score issues

    i been dealing with this for the past year and they are trying to get me to pay his debts and they are not mine even he has called the collectors and they still have trouble changing there error it is hard for me to do alot of things even getting ...

    Guerino’s Answer

    If there are debts that belong to your twin reporting on your credit reports, you may very well have a lawsuit to file. You should consult a credit reporting law attorney. You may also find some useful information about mixed credit files on my blog at centolaw.com.

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  • How can I fight a credit report that shows me missing 6 months or more payments,when that wasn't the case. I let them foreclose.

    I made payments all the way up to the time of foreclosure. As a matter of fact , they disallowed me from making a payment at one point in about March 2012. The foreclosure went from April - Oct. 2012 . Credit report shows late payments from March ...

    Guerino’s Answer

    You should dispute the inaccurate payment history reporting with the consumer reporting agencies, Trans Union, EQUIFAX and Experian. you should send your dispute by mail and enclose with your letter copies of any documents you may have which show you made the payments in question. You should also include a detailed explanation of your position regarding the payment history and the events which led to the foreclosure. The agencies will have thirty days to process your dispute and provide you with the results. If the inaccurate information remains, you should contact a credit reporting attorney to discuss any claims you may have against the agencies and/or your former lender.

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  • Is there a way to indicate who dismissed the bankruptcy proceedings on your credit report?

    We originally filed chp 11 when my wife lost her job in March 2008 - we filed in March 2009. By the time all the proceedings wound through the process, my wife found a job and we asked our attorney our options. She told us we could dismiss or co...

    Guerino’s Answer

    That last answer is incorrect. Federal credit reporting law requires the agencies to report your bankruptcy as withdrawn - not dismissed. I recently filed two class actions against the agencies on this very issue. If you need additional information please feel free to contact me.

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  • Do I need an attorney to straighten out my credit score ?

    My credit score is really low , I don't know where to begin ! It is overwhelming , do I pay all my debt off that shows up as late on my credit report ? Most of it is medical , I need advice ! I read where if I did pay it off it would still look ba...

    Guerino’s Answer

    No. An attorney cannot do anything to your score. You would only need an attorney if you have claims to bring against the consumer reporting agencies or credit information furnishers resulting from inaccuracies on your credit report.

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  • Am I out of the court's jurisdiction?

    A collection agency got a default judgment in IN against me while I have been living in NC (I never told them that I lived in NC because I didn't think it would matter). Now the agency is seeking wage garnishment. I am hoping that the judgment is ...

    Guerino’s Answer

    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.

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