Equifax Data Breach Obtain My File Disclosures for Free
Learn What's
Reporting about You

Credit Report Errors

Monday, July 16, 2018

Forty Percent of Americans can't cover a $400 emergency expense


 Credit remains more important than ever.  Be sure your credit reports are accurate -- it's your right under federal (and New York) law.


Wednesday, April 11, 2018

Breaches at Lord & Taylor, Saks, & MyFitnessPal

Was your information exposed in the latest data breaches at Lord & Taylor, Saks Fifth Avenue, Saks OFF 5TH, or Under Armour’s MyFitnessPal? If so, here are some steps to take.

 

https://www.consumer.ftc.gov/blog/2018/04/breaches-lord-taylor-saks-myfitnesspal?utm_source=govdelivery


Read more . . .


Friday, January 19, 2018

https://www.cnbc.com/2018/01/18/how-often-you-should-pay-off-your-credit-card-bill.html


"To build credit, what you want to do is have a demonstrated track record of using credit responsibly, and over time different forms of credit," McBride says. "With regard to revolving lines like credit cards, you want to demonstrate the ability to put expenses on the card and then to pay that off."

To demonstrate that ability, it's smarter to focus on not letting your balance exceed more than 10 percent of your credit limit at any given time.

"The 10 percent threshold is the point at which it's beneficial to your credit score," McBride says. "Between 10 and 30 percent it's neutral, and it's only when your balance is above 30 percent of your credit line that it actually works against your score.
Read more . . .


Thursday, December 7, 2017

Millions of errors found within consumer credit reports

According to a report released by U.S. Sen. Bill Nelson (D-FL) Friday, consumer credit reports are riddled with tens of millions of errors annually.

Read more . . .


Thursday, November 16, 2017

Data Breaches


Data breaches are a common source of identity theft and can devastate your credit score.  Check your credit reports for free at 

Read more . . .


Wednesday, October 4, 2017

Why Equifax will continue to profit by selling your personal information


Equifax’s former CEO is testifying before Congress this week. In spite of the potential for great harm to consumers, industry-insiders expect little regulatory change in the wake of Equifax’s breach. The fact that credit is such an integral piece of the economy, generally—and the degree to which the economy relies upon a functioning credit reporting system—radical changes are unlikely anytime soon.

Read more . . .


Wednesday, September 27, 2017

Liens and Judgments Data: Not Gone for Good


Until recently, mortgage lenders could access the lien and judgment history of potential borrowers through a borrower’s credit report. The national credit reporting agencies (NCRAs), TransUnion, Equifax, and Experian, did such a poor job of keeping reliable records on liens and judgments—Social Security numbers were missing from roughly 50% of tax lien records and 96% of civil judgment records—that they're no longer allowed to provide these services. Mortgage lenders must now obtain information on liens and judgments through more circuitous means, such as title searches.

Read more . . .


Sunday, September 24, 2017

Cuomo Proposes Stricter Regulations for Credit Reporting Agencies


NY Governor, Andrew Cuomo, announces new regulations for credit reporting agencies. Referring to July’s Equifax breach as “a wake-up call,” Cuomo said that NY will hold the credit industry to the same scrutiny as banks and other financial industries who do business in the state. Credit reporting agencies will be required to register with the Dep’t of Financial Services—which will have the authority to sue “if a company fails to comply or engages in prohibited practices deemed unfair, deceptive or predatory.”

Read more . . .


Monday, July 17, 2017

Federal Court Certifies FCRA Class in Dispute Over Content of Disclosures


In Graham v. Pyramid Healthcare Solutions, Inc., 2017 WL 2799928 (M.D. Fl.
Read more . . .


Archived Posts

2018
July
June
May
April
March
February
January
2017
December
November
October
September
August
July
June
May
April
March
February
January
2016

← Newer12 3 4 5 Older →



© 2018 Law Office of Adam G. Singer, PLLC | Disclaimer | Attorney Advertising
60 E. 42nd St., Suite 4600, New York, NY 10165
| Phone: 212.842.2428
75 Montebello Road, Suffern, NY 10901
| Phone: 212.842.2428
445 Hamilton Ave., Suite 1102, White Plains, NY 10601
| Phone: 212.842.2428

About | Practice Areas | FAQ

Law Firm Website Design by
Amicus Creative