Dynamic Guidance And Advocacy Throughout Northern Virginia
Have you ever had your credit score drop unexpectedly? Shocked by rejection of a credit application? These situations signal the possibility that your credit rating fell because someone made unauthorized hard credit pulls from your reports at the three consumer credit...
You may hear credit firms advertising their “credit protection” services, but it is a misnomer to say that they protect consumer credit in a preventative way. While there are smart choices that YOU can make about your own behavior in the marketplace, a credit firm is...
Most consumers expect to use credit for major purchases and needs. Common types of consumer credit include home mortgages, student loans, vehicle loans, home improvement loans, lines of credit and credit cards. People are careful to build good credit ratings through...
Many Virginians faced serious economic losses during the COVID-19 pandemic, followed by another financial challenge from household budget-busting inflation. For some whose credit scores also took a hit, it may have taken months of careful money management to rebuild...
Most residential landlords rely on tenant screening reports to decide if lease applicants are good candidates. A property owner can see in a report if a prospective tenant has had steady employment and a history of paying bills on time. The report could also reveal...
A good credit score versus a lower number can make a world of difference for consumers. Approval for credit cards and loans with lower interest rates hinges on a credit report free of negative information. In many cases, an applicant is denied any credit. Many...
Credit reports represent personal data records compiled by credit reference agencies (CRAs) to determine your trustworthiness as a borrower. The most prominent bureaus are TransUnion, Equifax, and Experian. While reliable in their findings, these entities are not...
A federal lawsuit will now go forward to consider whether the company's people profiles violate federal law. As of this writing in September 2017, Americans are on alert that they cannot take their privacy rights for granted. Disturbingly, credit bureau Equifax just...
Federal law heavily regulates the use of background checks in employment as well as in credit or insurance applications. It is normally not unusual or illegal for an employer to run a background check on a job applicant or employee. But there are federal protections...
Recent lawsuits in Virginia have highlighted the frequency of FCRA violations across the country.When job applicants are seeking employment, they are typically given a significant amount of paperwork to complete throughout the process. Many of the documents applicants...
