doctor writing on clipboard May 02

Improper and Illegal Tactics Are Common in Medical Billing

Improper and illegal tactics are common with medical billing.  Medical bills often contain errors.  Sometimes these “errors” are not honest mistakes.  Sometimes they are the result of conscious decisions to overbill.  Even where the “error” is an honest mistake, oftentimes the medical provider or debt collector is unwilling or unable to remedy the “error,” or […]

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Credit Report, History and Score Text Image Mar 29

Part III – Why Credit Reporting Agencies And Creditors Often Get It Wrong

The Fair Credit Reporting Act (FCRA) requires credit reporting agencies (CRAs) and the businesses that report to these CRAs to conduct an investigation if a consumer disputes something on his or her credit report. Under the law, the investigation must be a reasonable investigation. Problems arise because the investigations are often cursory. Even more significantly, […]

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Credit Report, History and Score Text Image Mar 29

Part II – Disputing Your Credit Report

In Part I of our blog series on the FCRA (see the blog post immediately below), we discussed the importance of credit reports and detailed how to go about receiving a free credit report from each of “The Big 3” consumer reporting agencies (CRAs): Experian, Equifax and TransUnion. In Part II, we are going to […]

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Credit Report, History and Score Text Image Mar 29

Part I – Intro Into The Fair Reporting Credit Act (FRCA): The Importance Of Keeping Tabs On Your Credit

These days your credit score is absolutely essential to obtain the money you need to finance life’s necessities: a car, a home, a credit card, a personal or business loan, etc. Sometimes a person’s job even depends on their credit score. Credit scores are primarily based on your credit report, and the credit report or […]

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Incorrect crossed out Mar 29

Credit Reporting Run Wild

Did you know that employers and insurance companies are more and more looking at your credit report before deciding whether to hire you or provide you insurance?  Credit reporting continues to expand into areas that surprise most people.  This trend, of course, makes it all the more important that your credit report be free of […]

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