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Guerino John Cento

Guerino Cento’s Legal Guides

8 total

  • How Long Will a Withdrawn or Dismissed Bankruptcy Stay on Your Credit Report?

    A bankruptcy can end in a number of ways prior to discharge; for example, a bankruptcy can be subsequently withdrawn at the request of the debtor or dismissed by the court for a variety of reasons. There are several reasons a debtor may file bankruptcy just as there are several ...

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  • How does Trans Union process consumer disputes?

    In general, when Trans Union receives a dispute from a consumer, Trans Union investigates the dispute using one of two systems developed for the purpose of processing and tracking disputes, the Consumer Dispute Verification process (CDV) and the Automated Consumer Dispute Verif...

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  • Indiana Residents - Your Equifax Credit File is Actually Owned by CSC Credit Services

    Most people know there are three national consumer reporting agencies - Trans Union, Equifax and Experian. However, if you are a resident of Indiana, then your "Equifax" credit report is actually a report compiled from a credit file owned by a company calledCSC Credit Services. C...

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  • Privacy of Credit Card Information

    The Fair and Accurate Credit Card Transaction Act (FACTA), enacted as an amendment to the Fair Credit Reporting Act, 15 U.S.C. 1681, requires a merchant to truncate the credit or debit card number on a customer's receipt. Specifically, FACTA provides person that accep...

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  • Accuracy of Credit Reports

    The Fair Credit Reporting Act (the "FCRA") states that "Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates." This is ...

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  • Common Mistakes Made by Furnishers of Credit Information

    With the hundreds, thousands, or more accounts reported to the consumer reporting agencies (the CRAs) each month, a furnisher can easily overlook its own obligations with respect to the account informationthey are reporting. The Fair Credit Reporting Act (the FCRA) governs much o...

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  • Federal Credit Reporting Law Also Applies to Furnishers of Credit Information

    The Fair Credit Reporting Act does not only apply to the consumer reporting agencies (Trans Union, Equifax, Experian and CSC Credit Services). Furnishers of credit information, such as credit card companies, mortgage lenders, and automotive lenders, are also subject to requireme...

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  • Federal Law Entitles You to an Accurate Credit Report

    The Fair Credit Reporting Act, a federal statute passed in 1970 to regulate the collection and use of consumer credit information, requires consumer reporting agencies (also known as, credit reporting agencies or credit bureaus) to maintain the maximum possible accuracy of the c...

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