About Hays Lawson

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Entries by Hays Lawson

Another Article on Credit Reports and Jobs

Here’s another article from ABC News about the importance of credit reports and job applications. The article’s focus is on knowledge and preparation. One 2010 study from the Society of Human Resource Management estimates that 60% of companies checked some (or all) job applicants’ credit reports. This is a practice that many people understandably find objectionable – […]

Loans and Social Networking

I admit that I seem to be falling behind the times. This story amazed me. Your social networking could affect your ability to get a loan. How long before consumer reporting agencies including a social Q rating as part of your credit report and score? The article is titled:  Your Deadbeat Facebook Friends Could Cost […]

Two Articles of Note Concerning Portfolio Recovery Associates, LLC

For those of you with issues with Portfolio Recovery Associates, LLC, here are two recent articles about PRA you might find interesting. Turnips can bleed: The Portfolio Recovery story http://hamptonroads.com/2013/09/turnips-can-bleed-portfolio-recovery-story A lawsuit filed in U.S. District Court in New York last year names PRA among more than a dozen debt collectors and says they pursued […]

Surprising things that Lower your Credit Score

Here’s an interesting article about surprising things that can hurt your credit score. The article explains how the following can hurt your credit: Closing credit cards or account. Debt settlement. Payment plans. Inquiring about old debts. Having a credit limit lowering. Paying off an old collection account. Balance transfers. Neglecting old debts. Cancelling older credit […]

Fake Debt Collectors on the Rise

The Better Business Bureau issued a recent press release alerting the public to an increase in fake-debt-collector activity. According to the BBB records, fake debt collection scams are on the rise. From September 2011-2012, there were 782 complaints. From September 2012-2013, there were 926, an 18% increase from the previous year. While I have no […]

Say no to Credit Pulls

The below is general information only. The information is not legal advice, and should not be treated as such and is subject to the legal disclaimer. In some situations, you can contract away or limit someone’s right to pull your credit report.For example, in Scott v. Real Estate Fin. Grp., 183 F.3d 97, 100 (2d Cir. […]

Re-aging Debt

The below is general information only. The information is not legal advice, and should not be treated as such and is subject to the legal disclaimer. When it comes to your credit report, debts are not forever. Under the FCRA, debts are removed after a certain time period. The time period differs depending on the […]

Parking Debts on Credit Reports

Junk debt collectors sometimes will “park” a debt on your credit report. This means that the debt collector will report negative information about you to credit reporting agencies but take no other action to collect the debt. The collector then sits and waits for you to discover the negative information in connection with some important […]