Practical guides on FCRA, FDCPA, and TCPA rights under Florida consumer protection law.
15 articles tagged “FCRA”
A section-by-section guide to reading your credit report: what each part means, what an error looks like, how to dispute it, and what the FCRA lets you do when the bureau will not fix it.
A Chapter 7 bankruptcy stays on your credit report for 10 years and a Chapter 13 for 7, counted from the filing date. Learn what the FCRA says, when an entry is wrong, and how to dispute it.
AnnualCreditReport.com is the official site for the free credit reports federal law guarantees. Here is how to use it safely, which errors to look for, and what the FCRA lets you do when a bureau will not fix one.
Someone gave your name to police, and now a background check shows an arrest you never had. Learn how criminal identity theft happens in Florida, why clearing the court record does not fix the background check, and the FCRA claim that does.
Someone used your identity to get medical care. Here is how it happens, how to spot it, and the FCRA, FDCPA and HIPAA rights that let you block the fraudulent account and hold a collector accountable in Florida.
A hard inquiry sits on your credit report for up to two years and costs fewer than five points. If you never applied, the points are not the problem: an unauthorized credit pull violates the FCRA and you can sue over it.
A data breach exposes your personal data to strangers, and what happens next matters more than the notice itself. This guide explains what a breach is and what Florida law lets you do if it leads to fraud, robocalls, or collector harassment.
Zombie debt is an old, charged-off account sold to a new collector. Florida and federal law limit what that collector can say and do, and one wrong move can revive a debt that should stay dead. Here is what to know before you respond.
Someone opened an account in your name and it is now on your credit report. Federal law gives the credit bureaus four business days to block it once you send the right documents, and failing to do so can entitle you to damages.
Lost a job in Florida over a background check that reported the wrong record or an old, dismissed case? Under the FCRA, screening companies must report accurately, and you can dispute errors and sue for damages and attorney's fees. Here is how.
Found a collection account on your credit report that is not yours, already paid, or just wrong? Under the FCRA, an inaccurate collection the bureaus refuse to fix after a proper dispute can be a violation with real money damages. Here is how to act.
Most people try to fix credit report errors themselves — and most of the time, the dispute process fails them. The Fair Credit Reporting Act gives Florida consumers the right to take legal action when bureaus and furnishers refuse to correct inaccurate information. Here is how that works, who qualifies, and what an FCRA attorney actually does.
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