Archived
Why did my credit score drop when a mortgage company checked my credit score, down six points in 2 days.
Kevin's answer
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Answered on April 07, 2016
It's actually a good question. First, credit scores, unlike credit reports, are not regulated by the government in any way (that I'm aware of). ...
Archived
Can I get a late mortgage payment removed if the customer service representative was partially responsible?
Kevin's answer
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Answered on April 05, 2016
First, they are NOT required by law to report that you were late, especially under these circumstances. A number of courts have held that if the...
Archived
Can I sue the credit card company that put this on my credit report that didn't belong to me?
Kevin's answer
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Answered on April 04, 2016
Before you sue a company for placing false information on your credit report you first have to dispute the account through one or more of the...
Archived
Is what they have done legal? Do we have any recourse? Is "bargaining" with them, say, getting them to pay off the loan ever don
Kevin's answer
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Answered on April 04, 2016
If you gave them consent to access your credit reports (as it appears you did) it's not likely you can sue them based on the number of credit...
Archived
What type of Attorney do I need to fight a bank for fraud
Kevin's answer
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Answered on March 29, 2016
It sounds like you might have a very good case. You need an attorney who has experience dealing with credit reports and credit reporting errors. ...
Archived
Is there any legal action I can take against the dealership for running my credit several times..
Kevin's answer
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Answered on March 25, 2016
As stated above the multiple inquiries for a car loan should really only be treated as a single inquiry for credit scoring purposes, so it should...
Archived
Can anyone explain why I would get this now? I did dispute this twice on my credit report over the years and it was only updated
Kevin's answer
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Answered on March 22, 2016
It's hard to say for certain without seeing the actual letter but it sounds like they are writing off the debt due to it's old age. That does not...
Archived
Is charging lawyer fee on condo unit owner's account before (without) filing lawsuit legal under FDCPA
Kevin's answer
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Answered on March 21, 2016
I would disagree with the above two answers. If they are seeking attorneys' fees from you before filing anything in court I think that is likely a...
Archived
Is it a good idea to apply for a small credit card before a bankruptcy is discharged, in order to rebuild credit?
Kevin's answer
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Answered on March 20, 2016
If you can get a small credit card by all means get one or more. Just be sure to pay off the balance every month....or at least make your minimum...
Archived
Is there any way to get paid collections off my credit report?
Kevin's answer
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Answered on March 18, 2016
A paid collection account can remain on your credit report for 7 years after the date of initial delinquency. If you have not already paid it you...