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...

Dynamic Guidance And Advocacy Throughout Northern Virginia
FCRA
The negative impact of credit report errors
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 bureaus falling short in their responsibilities to consumers
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...
Virginia plaintiff who alleges Spokeo violates FCRA to get day in court
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...
Consumer reports and federal Fair Credit Reporting Act protections
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...
The Fair Credit Reporting Act protects job applicants
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...