Articles Posted in Credit Report Errors


“Credit reports: The original creditor and debt collector are both on my report – is this legal?”

Let’s say that I owe Discover $5,000, and that’s on my credit report. Assuming that’s accurate, that’s fair.


“Debt collector on your credit report — dispute with the collector or with credit bureau?”

Debt collector on your credit report -- dispute with 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!


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.

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