The Mixed-Up Files of Equifax, Experian, and TransUnion: What Happens When You and Your Neighbor Have the Same Name

Is your name James Smith? If so, you’re not just not alone, but as far from alone as it’s possible to be. That’s because this is the most common combination of first and last names in the world. And chances are you’ve developed a way to distinguish yourself, at least in your social circle or […]

Frustrated, Furious, or Depressed Because of a Credit Report Glitch? How to Fix It, Fast!

Have you ever been denied a bank or credit union loan, had an apartment application denied, or stood red-faced and sweating as the supermarket cashier says your debit card has been declined? If so, you know that financial and credit-related issues can be embarrassing and anxiety-inducing. But did you realize that you could be compensated […]

Credit Reports: Not As Accurate As You Might Think

Your credit score wields a lot of influence over your life. It can be the make-or-break determinate when buying a car, securing a mortgage, or accessing a line of credit for a new business venture. We’d like to think the logic behind our score is pretty bulletproof, but that may not be the case. In […]

Live in a Packed, Ethnic Neighborhood? You May Be at Higher Risk of Credit Report Mistakes Causing Havoc on Your File

Risk Factors for Mixed Files—Names and Neighborhoods One of the major types of credit report errors is a mixed file, which occurs when the credit reporting agencies combine information from multiple individuals. This error often occurs when individuals share similar names, social security numbers, addresses, birth dates, or other demographic details. The credit reporting agencies […]

Data Breaches at Dunkin’ Donuts Continue to Affect Consumer Credit

America runs on…data? If you stopped in at a Dunkin’ Donuts location between 2015 and 2019, there’s a good chance that you paid a hefty price for that cold-brew coffee or glazed kruller. That may be in part because the popular pastry chain was targeted by hackers who gained illicit access to customers’ Dunkin-branded payment […]

Calling All Twins: Make Sure Your Sibling Pays Their Bills

Twinning equals winning, at least much of the time. Ask a twin whether they enjoy being irrevocably linked to an identical or very similar sibling, and you’ll probably hear some crazy twin stories about fooling friends, tricking teachers, and having a built-in best friend. But there are some occasions when being a twin is a […]

Wayward Son: How Your Son’s Credit Woes Can Become Yours, Especially if You’re a “Senior”

As a father, you always want what’s best for your children. Over the years, this has probably meant some sacrifices. While some sacrifice is normal, there are certain burdens you shouldn’t have to take on for your child. What’s an example of one of these? Your son’s bad credit choices and actions. You do not […]

Sins Of The Father: How Your Dad’s Credit Woes Can Become Yours, Especially if You’re a “Junior”

Family legacies can feel impossible to live up to, especially if you’re named after your father or one in a line of many with the same name. That pressure can be challenging enough—so what do you do when your dad’s credit impacts your credit report because you both have the same name? What happens when […]

COVID-19 Notice

During this state of emergency, access to credit is more important than ever for many consumers.  The Fair Credit Reporting Act enshrines each consumer's right to the accuracy of information reported to and by the credit bureaus.

Consumers now can check their credit reports for free on a weekly basis at annualcreditreport.com or purchase them at sites such as myfico.com.  Consumers should ensure credit reports are accurate -- before needing credit.

Our firm is open and all attorneys and staff are working, albeit remotely for everyone's safety.  If you discover errors on your credit report or background check report, contact us to see if we can help.