Category: Additional Legal & Consumer Rights Topics

Is your credit report full of unauthorized hard inquiries? These inquiries can lower your score and impact loan approvals—but you CAN stop them! If lenders, credit card companies, or unauthorized entities are pulling your credit without permission, you have legal rights under the Fair Credit Reporting Act (FCRA). Below, we’ll break down how to remove unauthorized… Continue reading How to Stop Unwanted Credit Inquiries | Credit1Solutions Expert Guide

Is inaccurate credit reporting hurting your score? You CAN sue credit bureaus for failing to fix mistakes! The Fair Credit Reporting Act (FCRA) gives you the right to dispute credit errors—and if the bureaus don’t correct them, you can sue them for damages! Thousands of consumers win lawsuits every year against Experian, Equifax, and TransUnion for failing to… Continue reading How to Sue Credit Bureaus for Inaccurate Reporting | Credit1Solutions Expert Guide

Your rights matter! Creditors must follow consumer protection laws—or face the consequences. If a creditor has reported false information, refused to correct errors, charged unfair fees, or harassed you, they may be violating your rights under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). Below, we explain what to do if a creditor violates consumer… Continue reading What to Do If a Creditor Violates Consumer Rights | Credit1Solutions Expert Guide

Follow these steps to report a credit bureau for FCRA violations and credit report errors. 1 File a Complaint Directly With the Credit Bureau Contact the Bureau Reporting the Error: – Experian: Submit a dispute | Phone: 1-888-EXPERIAN – Equifax: Submit a dispute | Phone: 1-866-349-5191 – TransUnion: Submit a dispute | Phone: 1-800-916-8800 Pro Tip: Send disputes via certified mail with… Continue reading How to File a Complaint Against a Credit Bureau (Step-by-Step)

Your Protection Against Debt Collector Harassment & Unfair Practices Are you getting harassed by debt collectors? You don’t have to take it! The Fair Debt Collection Practices Act (FDCPA), enacted in 1977 as 15 U.S.C. §§ 1692-1692p, is a federal law designed to protect consumers from harassment, deception, and abusive debt collection practices. Whether a collector is… Continue reading Fair Debt Collection Practices Act (FDCPA) – Protect Yourself | Credit1Solutions Expert Guide