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If you have had a criminal record expunged through the court system, you need to check your credit report at annualcreditreport.com to make sure it is off your credit report, as well. If the expunged criminal record is still on […]

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 […]

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 […]

The Consumer Financial Protection Bureau (cfpb) is giving consumers a forum for telling their debt collection experiences (see link below). Call Pine Street Legal at          (215) 345 9214 for help if debt collectors have threatened you, […]

You can place an Initial Fraud Alert on your credit report if you have a good faith suspicion that you have been or will be a victim of identity theft or fraud. It is a good first step if you […]

Debt collectors may violate the Fair Debt Collections Practices Act, a federal law, if they engage in any of the following actions: Threaten legal action that cannot be legally taken; Lie about the amount of money owed; Use curse words; […]

The following are indications of when someone is a victim of Identity Theft: Look for unexplained and unfamiliar charges or withdrawals on the statements of your financial accounts. Take notice of whether you are not receiving mail that you normally […]

Take the following steps to stop debt collector harassment and abuse: Send a cease and desist letter by certified mail saying to stop contacting you. Send a complaint to the Federal Trade Commission (FTC) &/or your state Attorney General Office; […]

Before the holidays is a good time of the year to check your credit report. Go to annualcreditreport.com for a free copy of your credit report from TransUnion, Experian and Equifax once every 12 months. This site is the federally […]

Common credit report errors are Obsolete information, Clerical errors, Merged/Mixed credit information, Identity theft and Employment background check errors. Call Pine Street Legal at (215) 345-9214 to protect your legal right to have an accurate credit report