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Fair Credit Reporting Act

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How Your Debts Should Be Reported on Your Credit Report After Bankruptcy

Most of our bankruptcy clients are understandably concerned with how their debts are going to be reflected on their credit reports after discharge. After you obtain a discharge of your debts, certain facts about your discharged debts may continue to appear on your credit report. The Fair Credit Reporting Act requires consumer reporting agencies to maintain [...]


Dealing with Identity Theft in Washington or Oregon

Identity theft is an ever-growing issue in both Oregon and Washington, causing problmes with debt collectors and on credit reports. The criminals stealing your identity often open credit cards in your name and rack up massive charges, torching your credit score and barring your from making much needed future purchases . Bad credit scores can [...]


Credit Reports Now Reflecting Debts Discharged in Bankruptcy More Accurately.

In recent years, as credit ratings and credit report information have become so important to everyone, cleaning up the credit report has become one of the most cited motives for filing bankruptcy. Unfortunately credit reporting agencies have often moved at a snails pace when it came to correctly reflecting debts as discharged in bankruptcy rather [...]


How Long is the Bankruptcy on My Credit Report?

Credit reporting agencies usually report bankruptcy information for a period of ten (10) years. This does not mean that your credit rating will remain low for much of that time. Credit scoring takes into account the age of derogatory info, and discounts the value of that information as it ages.  Moreover, because you eliminate all of your unsecured [...]


Your Credit Rights

The Federal Trade Commission (FTC) enforces the credit laws that protect your right to get, use and maintain credit. Much of the text below was taken from an article published on their web site. A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, [...]