Free Credit Report Review

We help fix credit report errors. We are not a credit repair agency. Rather, our free credit report review is designed to locate actual errors on your credit report and to offer proven solutions as to how to correct these errors. In particular, with your help, we review credit reports for errors resulting from: ID […]

Tips for Increasing your Credit Score

These tips for increasing your credit score are provided for information purposes only and is not intended to be legal advice. Why your Credit Score is Important Your credit scores determine whether you can finance a car or a house, get an apartment and possibly whether you will be hired for your next job. If you […]

Who is Southwest Credit Systems, LP?

Southwest Credit Systems, LP (“Southwest”) is a debt collection company located in Carrollton, Texas. A quick search of the web reveals multiple complaints about Southwest and its collection methods. It appears, at least in Kentucky, that Southwest collects a lot of telecommunications debt from companies such as AT&T and Windstream Communications, Inc. One of Southwest’s favorite […]

Standing to Foreclose in KY Requires the Plaintiff to Prove Possession of the Note at the Time Suit is Filed

In a rare win for Kentucky consumers, the Kentucky Supreme Court denied discretionary review in the case of Acuff v. Wells Fargo Bank, N.A., which could prove to be a very important foreclosure case. The facts of Acuff are fairly simple. The bank, Wells Fargo, filed a foreclosure complaint against the Acuffs. Wells Fargo attached a copy of the note […]

Credit Reporting Agency Changes means an End to Parking Debts on Credit Reports

The new credit reporting overhaul and changes means the end of parking debts on credit reports. The recent settlement agreement between the New York Attorney General’s office and the three major consumer credit reporting agencies—Equifax, Experian, and Trans Union—will result in many benefits for consumers. One benefit that’s not getting much discussion is that collections that […]

Student Loan Bill of Rights

On March 10, 2015, President Obama introduced the Student Aid Bill of Rights; another executive action to deal with student loan debt. Read the official Memorandum. The Student Loan of Bill Rights makes some important changes to student loans and the collection student. Joshua R. I. Coehn is a prominent consumer lawyer in the area […]

Remove Judgments from your Credit Report

Lawson at Law, PLLC can help you remove judgments on discharged debts from your credit report. A bankruptcy discharge “voids any judgment at any time obtained, to the extent that such judgment is a determination of the personal liability of the debtor with respect to any debt discharged under” the bankruptcy code. 11 U.S.C. § […]

Harrell v. Unifund CCR Partners

The Kentucky Court of Appeals ruled in favor of Kentucky consumers in the recent, to-be-published case of Harrell v. Unifund CCR Partners. Harrell holds quite reasonably that a debt collector cannot assess, accrue, and collect interest on a debt for time period before it acquires the debt. The was my case. Harrell v. Unifund – […]

GLA Collection Co. on your Credit Report?

GLA Collection Co., Inc. is a Louisville, Kentucky based collection company that focuses on the collection of medical debt. Medical debt is one of the most common types of debt on consumer credit reports. A recent study found that “43 million Americans have overdue medical debt on their credit reports.” And medical debt is the leading causes […]

CFPB: Consumer Credit Report Study

The Consumer Financial Protection Bureau recently published a study concerning the reporting of medical and non-medical debt on consumer credit reports. Some of the pertinent highlights of the study are: Information from recent studies of credit report accuracy and from other sources raise particular concerns about the accuracy and interpretation of collections tradelines, the vast […]