What’s a secured credit card?

What is a secured credit card?  Have you heard about Amazon’s Credit Builder Card, which was launched earlier this month?  You may be wondering if this kind of card is the right choice for your financial situation.    A secured card is a type of credit card that is designed to help an individual with a low credit

Are you the victim of a data breach?

What is a data breach?  Data breaches can happen at any time at any business or service that you have used, and chances are, you have already used a product owned by a company associated with a data breach.  You may have heard about recent data breaches at the Oregon Department of Human Services, U.S. Customs and Border

Thinking of getting a mortgage? Check your credit score.

Thinking of purchasing a house or refinancing your home?    Your credit score plays a significant role when applying for a mortgage because it helps lenders determine how likely you are to repay your debts.  According to recent research, you will need a credit score of 580 or higher to secure a Federal Housing Administration loan to purchase a home.  However,

Are you a rideshare driver having problems with your background check?

Rideshare companies like Uber and Lyft are notorious for partnering with third-party companies that can produce inaccurate or incomplete  background checks.  You’ve probably read scary news articles like the stories about the Somali war criminal who passed an Uber background check and the Chicago Lyft driver with a criminal history who was charged with raping

Does your credit report show you as deceased?

Did you know that as many as 1,000 people are mistakenly included on the Social Security Administration’s Death Master File each month?  Because of errors like this, credit reporting agencies can easily mark a living person as deceased. Most often, this happens if a creditor reports an account or accounts as being associated with a

Credit Repair Companies Face Consequences in Court

On May 2nd, the Consumer Financial Protection Bureau, a government agency that protects American consumers, filed a complaint against Lexington Law and CreditRepair.com, two of the largest credit repair companies. The suit alleges that the companies violated the Telemarketing Sales Rule (TSR) by requesting and receiving upfront payment for their credit repair services.  The TSR

Whole Foods Can’t Escape Allergen False Ad Suit

Original article by Mike Curley – Law360 (April 1, 2019, 3:58 PM EDT) A California magistrate judge has kept alive a suit alleging Whole Foods affiliates have been selling foods containing allergens under a false hypoallergenic label, ruling that the court has jurisdiction because one affiliate runs Whole Foods’ website, which serves the state. In


Jim Francis of Francis Mailman Soumilas, P.C. Argues Thomson Reuters Lawsuit to U.S. Court of Appeals for Second Circuit at UConn School of Law

Jim Francis of Francis Mailman Soumilas, P.C. argued his case Kidd v. Thomson Reuters Corporation to the United States Second Circuit Court of Appeals at a session held at the UConn School of Law on February 4, 2019. In Kidd v. Thomson Reuters, plaintiff Lindsay A. Kidd brought a Fair Credit Reporting Act (FCRA) putative

Jim Francis at Ninth Circuit Court of Appeals

Watch Jim Francis Argue Major TransUnion Class Action Lawsuit to U.S. Court of Appeals for the Ninth Circuit

Consumer protection attorney Jim Francis, of Francis Mailman Soumilas, P.C., appeared in front of the U.S. Court of Appeals for the Ninth Circuit to argue an appeal of the Sergio Ramirez v. Trans Union LLC class action settlement. In 2017, Francis Mailman Soumilas, P.C. PC represented the plaintiff Ramirez, whom TransUnion mistakenly confused with someone