October 26, 2020 marks the 50th anniversary of one of the most important pieces of consumer protection legislation in the country’s history: The Fair Credit Reporting Act. The Fair Credit Reporting Act, or FCRA, is a federal law governing how consumer credit information can be used and distributed. It gives consumers the right to see …
Scenarios involving mixed credit files are all too common today. A mixed credit file, or mis-merged file, can happen when your credit information is commingled with someone else’s on your credit report. For years, the credit bureaus have been told their methods of matching consumer data is fundamentally flawed, but the often-devastating errors keep happening. …
Federal court in Philadelphia rules TransUnion must go to trial On April 11, 2023, the United State District Court for the Eastern District of Pennsylvania ruled that a class action case on behalf of consumers against TransUnion may proceed to trial for failing to investigate consumer disputes. In Norman v. TransUnion, Flitter Milz client Duane …
Continue reading Flitter Milz Wins Again Against the Credit Bureaus →
Credit reports must be kept accurate. Let’s face it, consumers need good credit for a variety of reasons — from housing, education and employment, to personal loans or emergency expenses, such as medical bills or funerals. Good credit and high credit scores facilitate the process of obtaining approval for new credit. Errors on credit files …
The three main national credit bureaus — Trans Union, Equifax, and Experian — have agreed to make changes in the reporting of medical debt. As of July 1, 2022, settled medical debt that would normally remain on credit reports for up to 7 1/2 years should come off the report. As a result, consumers may …
Continue reading Medical Debt –Three Important Changes to your Credit Reports →
Finding out that your credit report has been merged with someone else’s information usually occurs at the most inopportune time. Often it’s when you’re considering the purchase of a home or car, taking out a student loan, or possibly looking for a new job or apartment. However, it’s not until after credit applications are denied, …
Continue reading Is your Credit Report Mixed with Someone Else’s Information? →
Consumer Reports, February 3, 2021 Why the Pandemic May Be Hurting Your Credit Score By Lisa L. Gill https://www.consumerreports.org/credit-scores-reports/why-the-pandemic-may-be-hurting-your-credit-score/ Illustration: Lincoln Agnew Attorney Andy Milz, cautions consumers that COVID-19-related payment deferrals aren’t the only problem contributing to credit reporting errors and drops in credit scores since the pandemic. He states, in this recent Consumer Reports …
Continue reading Why the Pandemic May Be Hurting your Credit Score →
Credit reports contain a wealth of personally identifying financial information and offer a peek into a consumer’s current, and past, financial status. The privacy of these reports, and the accuracy of their information, is critical to consumers. Prospective lenders, employers, landlords and utility companies may need to request access to reports to determine whether to …
Continue reading Are you keeping your Credit Information Private? →
Financial Separation is Key Getting divorced is never easy. Although it is an unfortunate fact of life for more than half of all U.S. couples, parting ways with your spouse doesn’t mean that your credit has to take a hit. Separating financially is crucial as most married couples share joint assets, such as homes, cars, …
Continue reading How to Maintain Good Credit During Divorce →
What is a Credit Bureau? Credit reporting agencies are companies that compile detailed financial information on consumers from various sources. The information collected is put together into a credit report. When the consumer seeks credit, businesses then contact credit reporting agencies to obtain credit reports to assess the consumer’s financial health. These credit reports …
Advocate of
Excellence
Pro Bono
President's
We at Flitter Milz, P.C., hope that you and your loved ones remain healthy and safe throughout this difficult time. We want you to know that our firm is open to serve your legal needs. Our staff is available by phone, email, or video conference. Please feel free to call with any questions or specific concerns.
Take care and be safe.
Cary Flitter & Andy Milz
Toll Free: 888-668-1225
Email: consumers@ConsumersLaw.com