Those who are applying for a loan or credit card in California know the importance of having a high credit score and a clean credit report. Among other things, your credit report shows the places you have resided, the amount of debt you have and if you pay your bills on time.
Companies can use your credit report to determine if you should get a loan or credit card, and some businesses may use it for hiring purposes. You must correct any errors on your credit report as soon as possible.
Check your credit report regularly
Because your credit report affects so many aspects of your life, check it regularly for any errors. The Free Credit Report Act requires that each of the three credit agencies — TransUnion, Experian and Equifax — give you a copy of your credit report for free once every 12 months. You can also get a credit report if:
You face unemployment and need to look for a job in the next 60 days
You received notice that a company took adverse action against you
Someone has stolen your credit
How to dispute errors on your credit report
To dispute an error you must inform the credit agency of the exact nature of the errors in writing. You should write and list each item that you are disputing and why. Provide any information that could be relevant. The credit agency then has 30 days to investigate.
Next, tell the information provider, such as the bank or credit card company, that you are disputing these items on the credit report. If they find that the information is inaccurate, the information provider will tell the credit reporting agency to delete the incorrect items.
Learn your consumer rights
As a consumer, you have rights. It’s important to know your rights to prevent them from being violated as this can affect many aspects of your life. Taking charge of your credit by reviewing your credit history and disputing errors is one way to learn more about your consumer rights.
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Settlement
TCPA class action against the Los Angeles Times. Final approval granted 2014.
TCPA class action certified on behalf of approximately 2,000,000 class members under Rule 23(b)(2) and (b)(3). Subsequently settled on a Rule 23(b)(2) and (b)(3) basis. Final approval granted.
Unruh Act class action on behalf of approximately 240,000 consumers challenging Tinder’s age-based differential pricing for its subscription service. Final approval granted; subsequently went up on appeal.
TCPA class action alleging HD Supply sent unauthorized marketing text messages to consumers’ mobile phones without consent between October 21, 2011 and July 26, 2017. Presided over by Judge Fernando M. Olguin. Case terminated January 29, 2018.
TCPA class action against a Kansas-based payday lender alleged to have contacted consumers via prerecorded calls on their cell phones to collect alleged debts without consent. California federal judge granted final approval.
Class-wide settlement in wage and hour independent contractor misclassification class action on behalf of approximately 1,800 valet employees. Final approval granted.
Cal. Penal Code § 632.7 class action certified by contested motion under Rule 23(b)(2) and (b)(3) on behalf of over 40,000 class members whose calls were recorded without their knowledge or consent. Final approval granted.
$13 Million Class action alleging HSBC recorded consumer telephone calls without knowledge or consent in violation of California’s Privacy Statute (Penal Code § 632.7). California Federal Judge granted final approval.
One of the largest TCPA class action settlements in U.S. history at time of approval. Alleged Chase used an automatic telephone dialing system to contact consumers on their cell phones without prior express consent from July 2008 through December 2013. Settlement class included over 32 million members. Final approval granted March 2016.
Class action on behalf of over 100,000 owners of GM vehicles equipped with allegedly defective LG-manufactured batteries posing fire and safety risks. Litigation commenced December 2020. U.S. District Judge Terrence G. Berg indicated preliminary approval of the $150 million settlement.
Landmark gig-economy class action. DoorDash drivers in California and Massachusetts alleged they were wrongly classified as independent contractors rather than employees. Firm served as class counsel. Final approval granted January 13, 2022 — the largest gig-economy worker class settlement in U.S. history at the time.
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