How can I improve my credit quickly and resolve this issue other than simply paying off debt and bills on time?

There really is no quick fix here. If you have any debts in collection with you can offer to pay them in full if they agree to delete from your...

What legal recourse is available for having my credit hit for nonpayment without any collection actions taken against me?

I think you have a case but it's a tough one. You'll need to start by sending a detailed dispute to each of the 3 credit reporting agencies,...

I need a solution to this problem

She is likely on a banking "blacklist" for bouncing checks in the past. She should go look up her report on Chex Systems - which is used by most...

Is it legal what they are doing

Macy's is allowed to report that fact that you were late on the account for 7 and a half years starting from the date of your first missed payment....

Is it illegal for the leasing company to make a 'hard pull' on my credit without my SSN and/or permission?

I still don't think you have a case. If you applied for the apartment they have the right to pull your credit report whether or not you gave them...

I want to know what to that section mean and am I misguided?

First, I'm impressed that you were actually able to get an attorney from Experian on the phone with you. Unfortunately I think you are mistaken...

What recourse do I have?

It's hard to imagine how you applied for an apartment in a large building without agreeing to a background check. If you were seeking to rent an...

How can i go about getting that hard inquiry off my credit and have law action against that company.

That is a clear violation of the Fair Credit Reporting Act. It's not a huge case but you should be able to recover a few thousand dollars in...

What do I do and what can I do?? I did nothing wrong and I am being punished by this mark on my otherwise clean credit report.

Unfortunately you are caught up in the "tenant blacklisting" nightmare. You have obviously done nothing wrong but because you were named as a...

The eviction is considered a civil judgment which should have been removed from your credit reports 7 years after the date it was entered (not 7...