A debt relief contract extended without consent can result in unexpected fees, additional payments, and unresolved creditor accounts. When you sign up for debt relief, you expect the agreement to clearly explain what the company will do, what you will pay, and how the process will work. Problems can arise when the terms you […]

You signed up for a debt relief program because you wanted a way out. You trusted the pitch. Instead of relief, you ended up paying fees, getting advice that made things worse, and sinking further into debt. If that sounds familiar, you are not alone, and you are not without options. At Justice Consumer Law, […]

Being approved for a loan or credit card does not necessarily mean you received the lender’s most favorable terms. If information in your consumer report contributed to a higher interest rate or other materially less favorable terms, you may receive a risk-based pricing notice explaining that your credit report affected the offer. The notice can […]

If you were denied an apartment because of information in a credit report or tenant screening report, the adverse action notice can help you identify what happened and where to start challenging an error. Under the Fair Credit Reporting Act, or FCRA, a landlord who takes adverse action based in whole or in part on […]

A credit report error can appear with only one credit bureau because Equifax, Experian, and TransUnion do not necessarily receive, match, process, or update exactly the same information at the same time. Finding an error on one report while the other two look correct does not make the error less important. It may actually help […]

Finding accounts, addresses, debts, or other information belonging to someone else on your credit report can be alarming. One possible explanation is a mixed credit file, which occurs when a credit reporting company combines information belonging to two different consumers into the same file. The Consumer Financial Protection Bureau identifies accounts belonging to someone with […]