Consumer law, like any area of the law, has complexities and subtleties that aren’t always apart to the public; however, being well-informed and educated about your rights as a consumer is one of the best ways to avoid being taken advantage of or being harassed. That’s why we blog regularly: to make sure you have the information you need to make informed decisions, or to strike back if your consumer rights are being abused. Read on to begin educating yourself now!
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Willful Violation of the FCRA Carries Penalties for ViolatorsWhen an employer or other agent willfully violates your rights under the Fair Credit Reporting Act, you may be entitled to damages beyond your actual losses.
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Ralph Nader, Consumer Rights Advocate, Inducted into the Automotive Hall of FameLongtime consumer rights advocate Ralph Nader was recently inducted into the Automotive Hall of Fame. Learn more about this iconic public figure here.
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Managing Old Debt on Your Credit ReportsIf an old debt shows up on your credit report, it is probably because a debt buyer “parked” it there. Learn about this practice and what you can do about it.
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Odometer Disclosure Laws Do Not Apply to Cars Older Than 10 YearsWhen you are buying an older car, be very wary of the mileage indicated on the odometer. The number may be incorrect and the seller doesn’t have to tell you.
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When a Company Violates Your FCRA Rights Through Negligence, You May Be Awarded These DamagesIf a credit reporting agency or other company violated your FCRA rights through negligent actions, you may be entitled to certain damages.
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CFPB Proposal Would Protect Consumers From Predatory Lending PracticesThe CFPB has proposed a rule that would ban banks and other lenders from using pre-dispute arbitration agreements containing class action waivers.
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You Are Entitled to Protections When it Comes to Employee Background ChecksThe Fair Credit Reporting Act protects consumers from inaccurate information on credit reports, but it also governs how employers do background checks.
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Protect Your Personal Information by Understanding How Identity Thieves OperateIdentity thieves get more sophisticated by the day. They use many tactics to steal your personal information and they use that data in various harmful schemes.
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Consider the Downside of Debt SettlementYou may have heard that debt settlement could be an option if you are unable to pay your bills, but this should not be your first course of action.
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You Can Do Something When a Dealer Takes Your Car Back in a Yo-Yo SaleIn a "yo-yo sale", a consumer is ordered by the dealer to return a car they thought they had purchased. Learn what you can do about this type of fraud here.
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What the LifeLock Settlement Tells Us About Identity Theft ProtectionLifeLock was ordered to pay $100 million to settle charges from the Federal Trade Commission for making false promises to customers.
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Immediate Steps to Take When You Discover Your Identity Has Been StolenIt is important to act quickly when you realize you have been the victim of identity theft. By doing these three things immediately, you can control the damage.