It is a violation of the Fair Debt Collection Practices Act, a federal law, for debt collectors to threaten service members and their families that they will report unpaid debt to their commanding officer, have the service member busted in rank […]
Advice
May 19, 2017
Who Is Pulling Your Credit Report?
The Fair Credit Reporting Act, a federal law, requires that there must be a permissible purpose for someone to request that the credit reporting agencies, Trans Union, Equifax and Experian provide your credit report to them. To make sure your […]
Advice
April 27, 2017
Your Credit Report
Errors on your credit report can cause you to be turned down for a mortgage, passed over for a job, denied insurance coverage, pay higher interest rates on credit and loans. Pine Street Legal helps you protect your legal right […]
Law
April 26, 2017
Pine Street Legal Fights For Your Rights
Are you having any of the following problems with your credit report: Incorrect & Outdated Credit & Personal Information Identity Theft Duplicate Accounts Debts Reported Are Not Yours Your Credit History Mixed With Someone Else’s Credit History Employment & Background […]
Uncategorized
March 23, 2017
Know Your Credit reporting Rights
Upon your written request, credit reporting agencies (Equifax, Experian & Trans Union) are required by law to disclose to you the following: All information in your credit file at that time; The Sources of the information; Identification of each person […]
Advice
March 20, 2017
Credit Report With Mixed/Merged Files
Now is a good time to check your credit report to make sure the information is correct. You can get a free credit report from Equifax, Experian and Trans Union, each, for free every 12 months at annualcreditreport.com. If you […]
Law
March 18, 2017
Who Can See Your Credit Report?
The Fair Credit Reporting Act (FCRA), a federal law, requires that for anyone to pull your credit report, they must have a Permissible Purpose. A permissible purpose occurs when someone has a business relationship with you like an employer, insurer, […]
Law
March 16, 2017
Employer Access To Your Personal Information
If you are employed or seeking employment, an employer may want to review your credit report, do a criminal background check and conduct pre-employment screening. To obtain this information about you, the employer must have your written consent. Since this […]
Law
March 15, 2017
Credit Report Inaccuracies
If you notify a credit reporting agency (Equifax, Experian, Trans Union) of errors on your credit report, it is the law that they have to conduct an investigation. As part of that investigation, the credit reporting agency is required to […]
Advice
March 14, 2017
Dispute Credit Report Errors
Now is a good time to check your credit report. Get a free credit report from Experian, Equifax and Trans Union every 12 months at annualcreditreport.com. If you find any errors, you have the legal right to write a dispute […]