Credit Report Archives - Boss Law | St. Petersburg Real Estate & Consumer Law Attorneys

27 Feb 23

Mixed File Credit Reports and the Fair Credit Reporting Act: What You Should Know

Credit Report, Mixed File

Is someone else’s information showing up on your credit report? This seemingly simple mistake, called a mixed file error, is a big deal. It’s never a good idea to have other people’s information on your account. It can result in denied credit, disqualified loans, and many other problems. Luckily, consumers…

16 Feb 23

Can I Sue for Errors on My Credit Report?

Credit Report

If incorrect information on your credit report has damaged your financial reputation, you may be able to sue a creditor or credit reporting agency for the mistake and the damages you’ve suffered. A study by the Federal Trade Commission (FTC) reports that one in five Americans have an error on…

Why is someone else's debt on my credit report

24 Jan 23

Help! Someone Else’s Debt Is on My Credit Report

Credit Report, Mixed File

Credit report errors affect millions of Americans and spotting a debt that isn’t yours on your credit report is one of the most troublesome. If you’ve checked your credit report and noticed a new loan or line of credit—or, worse yet, if debt collectors are already shaking you down for…

February 6, 2022
Credit Report

In theory, car insurance should only take account of one single factor: How careful you are while driving. In practice, that’s not the way it works – at all. Research shows that non-driving factors, including where you live and high or low credit score dramatically impact your car insurance premium.…

August 3, 2021
Credit Report

Due to the financial impact of the COVID-19 pandemic, federally backed loan servicers and some private lenders are offering consumers mortgage forbearance to help them get through this challenging time. During the forbearance period, lenders let consumers temporarily pause or reduce their monthly payments. Under provisions of the CARES Act,…

November 18, 2020
Credit Report

There are many people aware of the existence of identity theft, but not many people know all of the negative impacts. Many assume it is as simple as being charged from a different state or a lack of security in their home wifi, but it can be far more aggressive…

October 26, 2020
Credit Report

Credit report mistakes have only become a more common occurrence, and the fallout of these mistakes has also grown to be more costly. Even the most minuscule errors can make a lasting impact on someone’s life, and you can find the effects of some of these errors down below: Buying…

September 14, 2020
Credit Report

Credit report errors aren’t as rare of an occurrence as you may think. Even the smallest of errors can become a detriment to your credit and your financial situation. In this blog, we’ll show you a few examples of people that became victims of credit report errors, and how they…

September 13, 2019
Credit Report

If you own a small business, credit cards can be a great source of cash flow to keep your daily operations running smoothly. A designated business credit card can provide you with a steady amount of money during seasonal lows, act as a quick and reliable short-term loan, and help…

July 19, 2019
Credit Report

Buying a home always instead of renting it is a life-changing decision that comes with many financial responsibilities, including the risk of affecting your credit score. Both renting and buying a property influences your credit, and both these options have their pros and cons. Knowing them beforehand is vital to…

June 27, 2019
Credit Report

Your credit history is just one of the factors affecting your credit score, usually accounting for roughly 15% of the total score. This history would be kept for the next 7-10 years if you closed an account that’s in good standing, or 7 if you had negative items such as…

December 15, 2018
Credit Report

In 2017, several major credit reporting agencies announced a plan to overhaul how negative information is handled on credit reports. Up to 8 million American consumers unknowingly enjoyed the benefits of this unexpected change, and saw their credit scores jump by up to 40 points. According to the New York Federal…

Credit Report

Mixed File Credit Reports and the Fair Credit Reporting Act: What You Should Know

Can I Sue for Errors on My Credit Report?

Help! Someone Else’s Debt Is on My Credit Report

A Low Credit Score May Negatively Impact Your Car Insurance

Will Mortgage Forbearance & Other CARES Act Benefits Impact My Credit Report?

The Real Impact of Identity Theft

How One Small Mistake on a Credit Report Can Change Your Life

Top 5 Weirdest Credit Report Errors

5 Facts Every Business Owner Should Know About Credit Cards

Buying a House or Renting It – What’s Better For Your Credit?

How Your Credit History is Affected By Closing a Credit Card

Credit Overhaul Helps Millions Improve Their Credit Scores

Mixed File Credit Reports and the Fair Credit Reporting Act: What You Should Know

Why Is Someone Else’s Name on My Credit Report?

Why Is Equifax Reporting Me as Dead – But TransUnion Is Not?

Marked Deceased on Credit Report: Do You Need an Attorney?

Can I Sue for Errors on My Credit Report?

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