Most news articles on consumer law are needlessly confusing. Attorney Mike Cardoza takes a straight, no-nonsense approach on the current issues facing consumers today. Our blog provides an insider’s view on consumer rights, and explores topics such as threats to privacy and unfair credit reporting. Be sure to check back for regular updates.
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Check Your Credit Report After Bankruptcy DischargeAfter filing for bankruptcy your credit reports should reflect a zero balance for any accounts you have discharged. You might have to take steps to ensure that.
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When Your Financial Privacy Has Been ViolatedUnder the Fair Credit Reporting Act, only certain parties can request your credit report and they must have a valid reason. This rule is often violated...
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Take Legal Action If an Employer and CRA Broke These FCRA RulesEmployers can access your credit report for background checks but must follow certain guidelines. If they don’t, they and the CRA can be sued for damages.
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The Real Cost of Credit Reporting ErrorsEven the smallest inconsistencies on a credit report can be costly for a consumer. Find out how mistakes can affect your credit rating and cost you money.
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These Common Post-Bankruptcy Credit Reporting Errors Could be Robbing You of a Fresh Start!You're supposed to get a fresh start after completing Bankruptcy, but these Top 6 Credit Reporting Errors could take it away from you...
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12 Common Credit Report Errors That May Cost You Real Money1 in 5 Americans have an error on their credit report - Is yours costing you money? ...
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Equifax data breach - what NOT to do!Why you should not visit the Equifax website to sign up for their offer of free credit monitoring. It’s a trick! Learn more here.
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Was Your Credit Report Dispute Denied? Here's How to Fix ItWas your credit report dispute denied? It's not over! Credit reporting Attorney Mike Cardoza explains how to take action to fix a denied credit report dispute
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Do Credit Repair Companies Work?Are Credit Repair Companies worth the money and what do they actually do? What if you paid one of them and nothing happened to your credit score?
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Completed Bankruptcy? Your Credit Score Recovery Plan.Step 1: Check Your Credit Reports, Step 2: Joint a Credit Union, Step 3: ... Consumer Financial Protection Attorney Mike Cardoza explains