Articles Posted in Credit Report Errors

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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?

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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”.

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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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I read an interesting article that I agreed with in many respects by John Matarese of Channel 5 News in Florida. My one point of disagreement is that there is another solution — read below.

First, here are some interesting quotes from this excellent article:

“You will hear that’s easy to do, to simply write a dispute letter,” an exasperated Gayle Collier said.

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Certegy is a company we have dealt with before — we have not been impressed with their business practices. They just agreed to a massive fine — 3.5 million dollars for violating the Fair Credit Reporting Act (FCRA).

Certegy Check Services, Inc., one of the nation’s largest check authorization service companies, has agreed to pay $3.5 million to settle Federal Trade Commission charges that it violated the Fair Credit Reporting Act (FCRA).

Certegy, based in St. Petersburg, Florida, is a consumer reporting agency (CRA) that compiles consumers’ personal information and uses it to help retail merchants throughout the United States determine whether to accept consumers’ checks. Under the FCRA, consumers whose checks are denied based on information Certegy provides the merchant, have the right to dispute that information and have Certegy correct any inaccuracies.

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