All Posts by Joseph McClelland

Entrepreneurs & Identity Theft

Being an entrepreneur is not like being a normal employee. Not only do you occasionally get to work in your shorts, you also have many responsibilities that most don’t have at their normal nine-to-five job. For example, you would be shocked if you work for a company and they wanted you to guarantee a corporate loan […]

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What Is a Credit Report?

One of the first questions people should ask is what exactly is a credit report? Won’t answer that you first need to understand that there are credit reporting agencies that some people call them credit bureaus that actually create or maintain your credit report so a credit report is something that’s created by credit reporting […]

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Robocalling the Wrong Number

The only thing worse than a robocall is a robocall to someone that’s not you.  Many times people start to get robocalls that are actually from debt collectors or bill collectors we were looking for a stranger. These calls meant for someone else are some of the worst types of calls to get. It’s estimated that […]

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Is the Credit Reporting System Broken?

Your Credit Report Could be Filled With Costly ErrorsEveryone understands how important an accurate credit report is. Even though we know this, and the Fair Credit Reporting Act or FCRA was founded to ensure accuracy, there are still an unfortunate amount of errors in the credit reporting system. The system may very well be broken.This […]

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What Is a Robocall?

Ring. Ring. Ring. You look for your phone. Find it. Look to see who is calling you with important information. You don’t recognize the number, but you answer it. What do you hear? A recording… from an actual (not a scam) business or collector… looking for you or a stranger. WTF, right? That call may be illegal and worth $500 under […]

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Emotional Distress & Credit Reporting Damages

Here is a brief overview of obtaining emotional distress damages in Georgia and the 11th Circuit more broadly. If you have a question about credit reporting errors, identity theft, or mixed files, contact my office.Basics of the Fair Credit Reporting Act:The credit reporting agencies are required to keep accurate credit files. 15 U.S.C. ยง 1681i(a)When a consumer disputes […]

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