Emotional Distress & Credit Reporting DamagesHere 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. […]
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5 Things to Know about Credit Freezes and Fraud Alerts What do fraud alerts and credit freezes do? In this article by Joseph McClelland, an identity theft attorney for victims, you will learn the ins and outs of the fraud alerts and credit freezes and how they can play a part in recovering from and preventing identity […]
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What is a Credit Report? By Attorney Joseph P. McClelland, Esq. In this report, it is a combination of numerous businesses information on you. It includes your social security number include your date of birth and includes the places that you’ve lived in the last several years and includes the job that you’ve had. Most […]
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How to get your credit report? There are many places online and in real life where you can get your credit report or credit file. Some of these places make it quite easy to get your credit report while others will require you to pay a fee for no reason. It is your choice […]
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Why Review Your Credit Report? Why should you even take the time out of your day to go get a credit report? You always have people talking about credit reports and Credit in this that and the other, but maybe you don’t need any credit right now. Maybe you have no plans of getting a […]
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Can You Sue When Your Credit Dispute Fails? What should you do after you dispute errors on your credit report but before you get any response back? I hear this question a lot and I thought it over several times. I always come back to the same response. I don’t think you should do anything. […]
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Your Credit Report Could be Filled With Costly Errors Everyone 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 […]
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Were you denied a home loan because of something on your credit that does not belong to you? First of all, that’s terrible. I hope that it doesn’t cost you to lose a particular home you wanted to get. Now, if you want to move forward, you are going to want to consider using the […]
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Let me guess. You pulled your Equifax credit report and saw another person’s account. Maybe it’s someone else’s and Equifax screwed up (read high settlement value) or maybe someone stole your identity. That stinks. The problem is that it gets much worse from here. If someone did steal your identity and knows […]
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Are you having issues with JP Morgan Chase? Is Chase messing up your credit report? Is Chase misapplying your funds? Is Chase attempting to foreclose on your home for no reason? If any of these sound familiar to you, then contact my office for a free 30 minute consultation. JP Morgan Chase can […]
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