Consumer Rights Blog

How To Freeze Your Credit – For FREE

After the 2017 Equifax data breach, American consumers everywhere wondered how they could protect their personal information from identity theft. Some placed credit freezes with Equifax, TransUnion and Experian; however, this often came with a fee that many consumers didn’t want to pay. In a national survey, NerdWallet found that 71% of Americans had growing

Credit Card Fraud vs Identity Theft

Identity Theft vs Credit Card Fraud: What Are They and How to Protect Yourself

Identity theft and credit card fraud have devastating outcomes if you’re the victim. However, many consumers don’t know the difference between the two crimes. This guide defines what identity theft and credit card fraud are and how you can protect yourself from damages. What is Identity Theft? Identity theft occurs when someone uses your identifying

Alley of trash cans, a gold mine for identity theft

How Your Identity is Stolen: Dumpster Diving

Identity theft has made headlines in the recent years after news reports about consumers’ private information being vulnerable after data breaches at large companies. It can result in false debt, credit report errors, being denied credit or loan amounts, and so much more. When you first think of the phrase “identity theft,” you may picture

Elements of a Credit Report

How to Read a Credit Report

Under the Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your credit report every 12 months. However, it can be daunting and confusing to examine your report if you don’t know how to read through the information listed. Although the exact format will vary between the three main agencies– TransUnion,

Team of Lawyers

When To Hire An Attorney – Know Your Consumer Rights

A summarized guide to consumer laws and what to do if your rights are violated. If any of your rights listed below have been violated, it’s time to contact an attorney and start fighting for your life back. Fair Credit Reporting Act The Fair Credit Reporting Act (FCRA) protects the accuracy and privacy of your