WAS BANK OF AMERICA FORCED TO FORGIVE YOUR HOME EQUITY LOAN? THEY GOT THEIR REVENGE BY DAMAGING YOUR CREDIT!

Bank of America

In 2012, Bank of America reached a $16.65 billion settlement with the United States Department of Justice over its mortgage practices. If you had a home equity line of credit with Bank of America, you may have received a letter … Continue reading

Was your identity stolen by the recent Yahoo Hack?

Concept of secure server on touch screen

Yahoo was recently hacked and millions of identities were stolen.  Was yours?  If you are a Yahoo user and are unsure of whether you are a victim of identity theft, here are some tips for you to minimize any potential … Continue reading

Congratulations to Mr. and Mrs. Spanovich for settling their case against BMO Harris

In a classic David v Goliath case, Mr. and Mrs. Spanovich sued BMO Harris Bank over a debt that was not their obligation.  Despite having sent dispute letters to Experian, Equifax and Trans Union informing them that they no longer … Continue reading

How the new FTC Identity Theft Report works…or not

Identity Theft

Identity theft is still one of the fastest growing problems in America.  It’s not showing any signs of slowing down.  As an identity theft attorney, I can tell you that most identity theft that we see happens with one family … Continue reading

A single charge off is now multiple charge offs and they are killing your credit score.

The credit reporting agencies and lenders, in the last few years, have picked up a new trick designed to hurt you.  They are turning single charge offs into multiple charge offs.  They take a singular charge off and report it … Continue reading

5 things to look for when hiring Credit Repair Company

Credit Report

Credit repair companies have gotten a bum rap from just about everyone from Congress to states attorneys general to Yelp.  The industry has received these black eyes from some bad apples in the bunch, no doubt.  Unfortunately, these few had … Continue reading

Breaking News – Michigan Consumer Credit Lawyers obtain Finding against Xerox Education Services for Willful Violation of the Fair Credit Reporting Act.

Credit Report

Michigan Consumer Credit Lawyers (“MCCL”) obtained a ruling against Xerox Educational Services in the case of Scharf v Xerox Education Services, (Docket no 5:14-cv-14322 USDC – Michigan) that it had willfully violated Ms. Scharf’s rights under the Fair Credit Reporting … Continue reading

How We Can Fix Your Credit For Free

We can get errors removed from your credit report for free. Using the Fair Credit Reporting Act (“FCRA”), our credit repair lawyers can fix your credit for free. We will write the appropriate letter to the credit reporting agencies to … Continue reading

Is your credit repair company doing EVERYTHING it can to help you?

You should ask them and find out.  Ever since Experian has been sending out its “suspicious request” response letters, I have been flooded with calls and contacts from credit repair organizations around the country.  I have been telling people that … Continue reading

What Credit Repair Organizations should know about when credit reporting agencies may decline to investigate their dispute letters?

Credit repair organizations (“CROs”) have a pretty bad reputation.  Well, some of them do and it’s enough to really tarnish the entire industry.  Hell, Congress had to step in and create the Credit Repair Organization Act that severely regulated these … Continue reading

Experian is getting slammed with new law suits for refusing to investigate consumer disputes with “Suspicious Request” letters.

If  you have something on your credit report that does not belong to you, the Fair Credit Reporting Act requires you to send a dispute to the credit reporting agency, such as Experian, Equifax and Trans Union (“credit reporting agencies” or … Continue reading

Sister Company Arizona Credit Lawyers Launches New Website

An approximate 80 percent of the population have damaged reports. About 40 percent of the population has a lower credit score due to inaccurate information on their credit reports. This inaccurate information happens for several reasons, but the root of … Continue reading

Credit Repair After Foreclosure in Michigan

If you have gone through a foreclosure in Michigan, chances are that you are incredibly distraught about how it will affect your credit. You are not alone; After sub-prime and adjustable rates for mortgages spiked, many Americans were not able … Continue reading

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