How Long Does Bankruptcy Stay on Your Record?
Understand how long Chapter 7, 13, and 11 bankruptcies can appear on your credit report and when outdated reporting may violate the FCRA.
How to Remove a Public Record from Your Credit Report (and How Long It Can Stay There)
Learn how long public records can legally remain on your credit report and when removal may be possible under federal law.
Mixed Credit Report: What It Is, How to Fix It, and When to Take Legal Action
A mixed credit report happens when credit information from another person appears on your report. Learn how these errors occur, how to dispute them, and when legal action may be an option.
Is 844-466-5519 Calling You? Know Your Rights
Getting repeated calls from 844-466-5519? This number is tied to debt collector ConServe. Learn your rights under federal law and how to respond to unlawful collection practices.
Denied a Job Because of a Background Check? Know Your Rights
Denied a job because of a background check? Learn how federal law regulates background checks and what rights you may have if the rules weren’t followed.
Is 888-250-7027 Calling You? Know Your Rights
Getting repeated calls from 888-250-7027? This number is associated with Credit Management Company, a debt collector. Learn your rights under federal law and how to respond if the calls are harassing or unlawful.
Is 800-542-1048 Calling You? Know Your Rights
Getting repeated calls from 800-542-1048? This number is associated with National Credit Adjusters, a debt collector. Learn your rights under federal law and how to respond if the calls are harassing or unlawful.
How Far Back Do Employers Check Your Background?
How far a background check goes depends on the type of information and the position involved. Learn what prospective employers can see, common time limits, and how federal law applies.
Can Someone Run a Background Check Without My Permission?
Employers generally cannot run background checks without your written consent. Learn when permission is required under federal law and what your options may be if those rules are violated
Is 800-935-1798 Calling You? Know Your Rights
Getting repeated calls from 800-935-1798? This number is associated with United Collection Bureau, a debt collector. Learn your rights under federal law and how to respond if the calls are harassing or unlawful.
Wrong Information on a Background Check: How and Why It Happens
Wrong information on a background check is more common than many people realize. This article explains why background check errors happen, what they look like, and what to do if inaccurate information appears on your report.
How to Dispute Wrong Information on a Background Check
Learn how to dispute wrong information on a background check and what steps you can take to correct errors.
Can Debt Collectors Threaten You?
Debt collectors often use threats to pressure payment, but many cross the line. Learn when collection threats are allowed, when they violate federal law, and what to do if it happens to you.
Debt Collectors Threatening Legal Action? When Those Threats Break the Law
Can a debt collector threaten legal action? In many cases, these threats are misleading or unlawful. Learn what the FDCPA allows and when collectors cross the line.
What to do if a Debt Collector Threatens You With a 1099
Debt collectors sometimes threaten consumers with a 1099 to create fear and pressure payment. Learn what these threats actually mean, when they may cross legal lines, and what steps you can take to protect yourself.
Can Debt Collectors Threaten to Arrest You
Can a debt collector really threaten you with arrest or jail? Learn why these scare tactics are illegal under federal law and what your rights are if a collector crosses the line.
Is 866-494-9902 Calling You? Know Your Rights
Getting repeated calls from 866-494-9902? This number is associated with Hunter Warfield, a debt collector. Learn your rights under federal law and how to respond if the calls are harassing or unlawful.
Is 800-991-5265 Calling You? Know Your Rights
Getting repeated calls from 800-991-5265? This number is associated with Revco Solutions, a debt collector. Learn your rights under federal law and how to respond if the calls are harassing or unlawful.
Can Debt Collectors Come to Your Work or Home Without Notice?
Worried a debt collector might show up at your job or knock on your door without warning? Here’s what the law actually allows and when the visit crosses the line.
How Do Debt Collectors Get Family Members Phone Numbers
Collectors can only contact family in very limited situations. This guide explains how they find relatives, what the law allows, and how to protect your privacy.