Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, the consumer reporting agency is not required to remove accurate derogatory information from your file unless it is outdated or cannot be verified. A consumer…
Posts Tagged With: FDCPA
California Debt Blog: You have the right to dispute incomplete or inaccurate information on your credit report
If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.gov/creditforan explanation of dispute procedures.
California Debt Blog: You have the right to ask for your credit score
Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have…
California Debt Blog: You have the right to know what is in your credit report and credit file
You may request and obtain all the information about you in the files of a consumer reporting agency. You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be…
California Debt Blog: You must be told if information in your credit file file has been used against you
Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name,…
California Debt Blog: You May Not Always Need an Attorney for a Landlord Tenant Dispute
here may be problems that you can resolve without an attorney. The California Department of Consumer Affairs (DCA) has a website with excellent information and sources of information. You may want to consult them. 10. Hire an attorney. When all…
California Debt Blog: Tenants May Be Able to Legally Withhold Rent in California
This is a riskier way of trying to get the property repaired. By law, a tenant is allowed to withhold some or all of the rent if the landlord does not fix serious defects. These defects must make the property…
California Debt Blog: Repair and Deduct can be beneficial for tenants – if used properly
Repair and deduct allows you to deduct money from the rent to pay for repairs. The steps include: 1. The defects must be serious and directly related to the tenant’s health and safety. 2. The repairs cannot cost more than…
California Debt Blog: You May Have A Defense to an Unlawful Detainer or Eviction Lawsuit
Typical defenses to an eviction include failure to state the amount of rent properly, failure to provide a habitable rental or that the eviction was filed for retaliatory reasons. These defense MUST be raised in the defense or you cannot…
California Debt Blog: You Must Respond to An Unlawful Detainer Complaint
If the landlord wants to evict you and you have not moved out voluntarily, you will be served with an unlawful detainer. You only have 5 days to respond to this. Your response may be a demurrer, a motion to…