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Sanders Law Group >  Articles
19 May 2023
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How Does a Credit Report Differ From a Credit Score?

19 May 2023
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How does a credit report differ from a credit score? Introduction In today's world, credit plays a vital role in our financial lives. In order to apply for a loan or credit card, we need to have a good credit score. However, many people get confused between their credit reports and credit scores. While both of these documents contain important financial information about an individual, they serve different purposes and are used by different parties. Definition of Credit Report and Credit Score A credit report is a detailed record of an individual's borrowing and payment history. It includes information about...

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19 May 2023
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How do I request a credit report for a deceased person?

19 May 2023
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Requesting a Credit Report for the Deceased Introduction The death of a loved one is a difficult and emotional time. Amidst grieving, there are many practical tasks that must be taken care of, including handling their financial affairs. One crucial aspect that is often overlooked is the deceased person's credit report. A credit report contains information about a person's credit history, including loans, credit cards, and payment records. Requesting a credit report for a deceased person is essential to ensure that their estate is settled correctly and to protect against identity theft. The Importance of Requesting a Credit Report for...

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18 May 2023
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How to Dispute a Credit Report and When Do You Need a Lawyer?

18 May 2023
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How to Dispute a Credit Report and When Do You Need a Lawyer Introduction Your credit report is like your financial report card. It contains information about your credit history, including credit cards, loans, payment history and balances. This information is compiled by credit bureaus, such as Experian, Equifax or TransUnion. Your credit report also includes personal information such as your name, social security number and current and previous addresses. Lenders use this information to determine whether you are eligible for a loan or a line of credit, and what interest rate you will be charged. Definition of a Credit...

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18 May 2023
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Types of Credit Report Errors That Should Have a Lawyer’s Help To Resolve

18 May 2023
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Credit Report Errors That Should Have a Lawyer's Help To Resolve. Introduction Credit reports are vital components of an individual's financial history. They contain critical information about the creditworthiness of a person, which lenders use to determine the risk associated with lending them money. A credit report contains personal information such as name, address, and social security number, as well as data on credit accounts such as mortgages, credit cards, and loans. Explanation of Credit Report Errors Credit report errors are inaccuracies in credit reports that can lower a person's credit score or negatively impact their ability to obtain loans...

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17 May 2023
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What Are The Illegal Business Practices Some Credit Repair Companies Maybe Involved In?

17 May 2023
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What Are The Illegal Business Practices Some Credit Repair Companies Maybe Involved In? Introduction Credit repair has become a popular industry in recent years. With so many people struggling with debt and poor credit scores, it's no surprise that consumers are turning to credit repair companies for help. However, not all credit repair companies operate ethically. Some engage in illegal and unethical business practices that can harm consumers. Explanation of Credit Repair Credit repair refers to the process of improving a consumer's credit score by removing negative items from their credit report. This can be done by disputing inaccurate information,...

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17 May 2023
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Lexington Law and CreditRepair.com: Accused of Telemarketing Sales Rule Violations

17 May 2023
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Lexington Law and CreditRepair.com: Accused of Telemarketing Sales Rule Violations Introduction Telemarketing is a marketing strategy used by businesses to reach potential customers over the phone. However, telemarketers often cross the line between being persuasive and becoming aggressive, leading to several complaints from consumers. To protect consumers from such harassment, the Federal Trade Commission (FTC) created the Telemarketing Sales Rule. The Telemarketing Sales Rule (TSR) is a set of rules established in 1995 by the FTC to protect consumers from deceptive and abusive telemarketing practices. The rule applies to any person or company that makes or initiates telemarketing calls in...

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17 May 2023
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Do You Need Legal Help for a Credit Report Dispute?

17 May 2023
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Do You Need Legal Help for a Credit Report Dispute? Credit reports are an essential part of modern life. They are used to track your financial behavior and determine your credit score. This score is used by lenders, landlords, and employers to determine if you are a responsible individual who can be trusted with credit, housing, or employment. Because of this critical role in our lives, it is essential that credit reports are accurate and up-to-date. The Importance of Credit Reports Credit reports contain significant information about your financial history, such as your payment history, open accounts, collections accounts, bankruptcies,...

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17 May 2023
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How Do You Get a Credit Score?

17 May 2023
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How Do You Get a Credit Score? The first step to getting a credit score is to establish a credit history with at least one lender that reports your activity to the credit bureaus. This can be done by applying for a secured or unsecured credit card, student loans, or other forms of financing that you can pay back on time.The next step is to monitor your credit regularly and ensure there are no errors on your report. You can obtain a free copy of your report from each of the three major consumer reporting agencies, Equifax, Experian, and TransUnion...

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17 May 2023
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How do student loans affect my credit report?

17 May 2023
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How Do Student Loans Affect My Credit Report? The Definition of Student Loans Student loans are financial aids offered to students who wish to further their education but do not have the means to pay for it themselves. These loans are intended to cover the cost of tuition, books, and living expenses while attending school. The most common types of student loans include federal student loans and private student loans. Federal student loans are funded by the government and come with fixed interest rates. Private student loans, on the other hand, are offered by banks or other financial institutions and...

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17 May 2023
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How Long Does it Take to Build Good Credit?

17 May 2023
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How Long Does it Take to Build Good Credit? The Importance of Good Credit Credit is an essential factor in many aspects of life. Having good credit can open doors to opportunities like qualifying for a mortgage, getting approved for a credit card, and even being considered for a job. Good credit shows financial responsibility and stability and can be an indicator that someone is less likely to default on payments. On the other hand, bad credit can have the opposite effect. It can lead to higher interest rates, difficulty getting approved for loans or leases and even affect one's...

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