“Debt collector on your credit report — dispute with the collector or with credit bureau?”
This is a question we received through a comment on our channel, which is a place where we will be answering more questions from. We appreciate the questions that you guys write, and we look forward to answering more of your questions in the future!
“Can I fix my credit reports on my own in Alabama?”
This is a wonderful question that we’re going to answer today.
This is a great question we have been asked, because credit reports are important to our everyday lives. And there are a surprising number of judgments in Alabama that are vacated or done away with. Usually because the defendant was not properly served.
So what do you do if you have a judgment vacated?
When you have a judgment against you, and it’s on your credit report, it can be frustrating.
However, once you have a satisfaction of judgment, it can be a breath of fresh air as that judgment must show that it has been “paid” or “satisfied”.
Here is an example of a recent federal court lawsuit we filed against Hyundai Capital (also known as Kia Capital) for false credit reporting in violation of the FCRA (Fair Credit Reporting Act).
As you can imagine, Hyundai/Kia deny any wrongdoing.
You can read the lawsuit below — our basic position is that Hyundai negligently or intentionally reported a false balance owed when it knew that our client did not owe any money.
Welcome to our Q&A on consumer protection issues. The entire video is above, and the transcript is below.
I hope you enjoy!
In this video we answer the following consumer protection questions:
The first question is “I have a judgment against me. What do I need to do if I want to pay that off?”
This is the first one of our weekly question and answer webinars.
Here’s the transcription with some of my sloppy words cleaned up. 🙂