Background Reports and the Fair Credit Reporting Act

FCRA Applies to Background Reports by Potential Employers The Fair Credit Reporting Act (FCRA) is a federal law that applies to credit reports.  The FCRA was enacted to protect the accuracy and privacy of consumer information in consumer credit reporting agency files.  The definition of “credit report” includes what is commonly known as an employee…

Your Rights under the Fair Credit Reporting Act (FCRA)

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a…

Credit Report Problems

Everyone has credit report problems.  It can be an incorrect entry, an account that you paid off that’s mis-marked, an incorrect amount, an incorrect delinquency, or a host of other things.   Fortunately, you have protection under the Fair Credit Reporting Act (FCRA).  The FCRA is a powerful federal law that governs all credit reporting…

Who is Cavalry SPV?

We’re getting lots of cases from Cavalry SPV.  These cases are being filed in District Justice Court and the Court of Common Pleas.  In most instances, Cavalry is being represented by the fine attorneys at Apothaker Scian.   You’ve never had an account with Cavalry, you’ve never had a contract with them, they’ve never lent…

PA Judgment Laws

We get many calls about judgments and Statute of Limitations in Pennsylvania. Most people say “the judgment is over 5 years old, so why are they still trying to collect?”   The error there is the mixed combination of legal theories.   A statute of limitations applies to the amount of time that a creditor…