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Kevin C Mallon
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Kevin Mallon’s Answers

197 total


  • What should I do if Equifax does not delete a collection record on my report even though the record is wrongly reported.

    In July 2014, I was hospitalized (I gave my apartment address) since it was out of my network there is a co-insurance for which I have never received any letter or phone call asking me to pay. In August I moved from an apartment to my own hous...

    Kevin’s Answer

    At this point it's clear that you need to contact an experienced FCRA attorney. Sounds like you may have a solid case vs. Equifax.

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  • How long does a judgement from credit card stay on your credit in theh state of texas

    I have judgements on my credit from credit cards I was unable to pay when I was unemployed..How long do they stay on there?Do they ever come off??

    Kevin’s Answer

    Judgments typically remain on your credit report for seven years from the date they were issued.

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  • How do I have an eviction removed from my son's credit report?

    My ex-husband and I evicted my 18 year old son from our home a year ago. Now, because of this judgment, my son cannot get approved to get an apartment. He has come a long way over the past year and it isn't our wish to prevent him from finding h...

    Kevin’s Answer

    Best way to proceed would be to vacate the judgment you obtained against your son. He can then ask the credit reporting agencies to remove the judgment from his credit report. Beware, however, that some specialized tenant screening credit agencies will still keep a record of the fact that the case was filed against him....but they must not report that there is still a valid judgment if it has been vacated.

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  • Credit dispute question

    I would like to dispute my credit when I called transition the rep told me I must put a file number with each dispute I put in if I put my social and name of the debit is the file number really needed to dispute this ?

    Kevin’s Answer

    No, you are not legally required to include the file number so long as you provide them with enough information to figure out who you are, but I can't see any harm in doing so anyway.

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  • What do I include when sending a dispute letter to the credit bureau?

    What info must I give to them in the letter? Also do I need to send one to the original company in which I got the debit or only the credit agency like transunion or Equifax etc?

    Kevin’s Answer

    You should include a detailed explanation of your dispute plus any supporting documentation. You are not required to send a copy of the dispute to the original creditor but it is often a good idea to do so.

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  • How can I get three collection agencies to remove reports on my credit report? The Statute of limitations have passed..

    Two of the collection agencies are holding the same debt from the same credit card. I've never contacted or responded in any way to these collection agencies. At one time, they were contacting me by phone several times a day. I kept telling them t...

    Kevin’s Answer

    As stated above, debts can be reported on your credit reports for 7 years, and are not subject to California's four year statute of limitations.

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  • How to get my credit report?

    I need to file bankruptcy and I have no idea who any of my creditors are.I recently moved and I went on annual credit reports.com once already this year and printed my credit report but I cannot find the paper.I also went on credit karma and that ...

    Kevin’s Answer

    You can purchase a 3-in-1 report from freecreditreport.com, or you can go to each credit reporting agencies individual site to purchase a report.

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  • I have bad credit.thats why I what too file bankruptcy.and get establish credit. I what too file credit repair.plus get a lawy

    I would like too get new credit.so I can be approve for credit card.

    Kevin’s Answer

    You should find a local bankruptcy attorney with a good reputation to talk to. Stay away from credit repair agencies they are not going to help you.

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  • How do I remove a fraudulent judgement on my credit report?

    I had my credit report pulled yesterday and there is a judgement on it that I am not familiar with. I went to the county clerks office and they gave me the info I needed. I researched the name for the creditor and also the attorney for judgment cr...

    Kevin’s Answer

    The judgments from Mel Harris and LR Credit were all removed as part of a class action settlement, so you should not need to do anything to get the judgment vacated - you only need to focus on getting these judgments removed from your credit report. In fact, the judgment should have been removed from your reports automatically and Experian, Equifax and Trans Union are violating the law by continuing to place them on your credit reports. As a prior lawyer said we can't directly offer to provide you with assistance here, although you don't need to limit your search to lawyers near Johnstown. A NYC lawyer can handle your case no problem - what's most important is getting a lawyer who's experienced with these cases and knows what they are doing.

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  • Can an employee run a soft credit pull (@ work) for personal reasons?

    I believe my FCRA rights were violated. A company I've never dealt with showed up as a soft inquiry on my credit report, coincidentally my gf's bitter ex works at the company that appeared on my credit report. What recourse, if any, do I have? I a...

    Kevin’s Answer

    If the company did access your report without your consent then they violated the FCRA. You can collect actual and possibly punitive damages for this serious violation. You should contact an experienced FCRA attorney to help you this matter - you should have no problem finding one to take the case on a contingent basis as well.

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