Questions tagged [credit-report]
The credit-report tag has no usage guidance.
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Employer ran credit check without my consent
I’ve just started a new job as a cleaner and recieved an email from them regarding the credit check they carried out. I was never told this was going to happen or why they would need to. Does anyone ...
Ricky
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Will breaking a lease damage my credit score? [closed]
I have to break my lease to move out of state. The landlord is telling me I will damage my credit and will not be able to rent another apartment for approx 7 years. Is this true?
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Are credit card issuers required to maintain statement receipt records?
Under Appendix E of 12 C.F.R. § 1022.42(b), the policies and procedures of a furnisher of information to credit reporting agencies (e.g. a credit card issuer) must be reasonably designed to ensure ...
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In the US, can disputed claims (factual dispute) still be reported to a credit bureau?
In the US, when reporting unpaid claims to a credit bureau, may creditors also report claims where there is a factual dispute? For example, if I order something online, then do not pay the invoice ...
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Is arbitration an "action or proceeding"?
Section 1681h of the Fair Credit Reporting Act grants limited qualified immunity to creditors, stating that:
[...] no consumer may bring any action or proceeding in the nature of defamation, invasion ...
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Can I have a collections report removed from my credit history?
I have a collections report on my credit history. The credit card company raised the minimum payment without notifying me or raising the automatic payment I set up for the minimum amount. I hadn't ...
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Can a claim be litigated after a arbitration?
Consider this scenario:
Consumer signs a mandatory arbitration clause with a creditor that does not require Fair Credit Reporting Act (FCRA) claims to be arbitrated
Creditor reports inaccurate ...
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Can a consumer bring an FCRA claim twice concerning the same inaccuracy?
In the context of the Fair Credit Reporting Act, a consumer has no private right to action to sue a creditor for reporting inaccurate information to a credit reporting agency (CRA). A consumer does ...
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FICO score calculation exact breakdown
Do I have any legal ground to demand an exact breakdown of my FICO score? The precise formula and data points that were used for my report, not some generic explanation.
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credit report on decedent
As the estate executor, is it ill-advised to try to obtain credit report on decedent? I am unsure if the ramifications of doing this are good or may result in potential legal issues? The estate is ...
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