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Credit Laws Per FCRA

Posted on December 14, 2018 at 7:55 AM Comments comments (0)

All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after

this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the

Consumer Financial Protection Bureau's website,





The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who

furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the

FCRA, 15 U.S.C. § 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs

should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance.

The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection's website at


. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this


Section 623 imposes the following duties:

Accuracy Guidelines

The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy

of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at


when they are issued. Section 623(e).

General Prohibition on Reporting Inaccurate Information

The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to

believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies

an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623(a)(1)(A)

and (a)(1)(C).

Duty to Correct and Update Information

If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs

determines that the information provided is not complete or accurate, the furnisher must promptly provide complete

and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any

corrections, and must thereafter report only the complete and accurate information. Section 623(a)(2).

Duties After Notice of Dispute from Consumer

If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is

inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

Section 623(a)(1)(B).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by

the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

Section 623(a)(3).

The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information

furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued,

furnishers must comply with them and complete an investigation within 30 days (or 45 days, if the consumer later provides

relevant additional information) unless the dispute is frivolous or irrelevant or comes from a “credit repair organization.” The

CFPB regulations will be available at


. Section 623(a)(8).

Duties After Notice of Dispute from Consumer Reporting Agency

If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the

furnisher, the furnisher has a duty to follow certain procedures. The furnisher must:

•Conduct an investigation and review all relevant information provided by the CRA, including information given to the

CRA by the consumer. Sections 623(b)(1)(A) and (b)(1)(B).

•Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was,

in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that

compile and maintain files on a nationwide basis. Sections 623(b)(1)(C) and (b)(1)(D).

•Complete the above steps within 30 days from the date the CRA receives the dispute (or 45 days, if the consumer

later provides relevant additional information to the CRA). Section 623(b)(2).

•Promptly modify or delete the information, or block its reporting. Section 623(b)(1)(E).

Duty to Report Voluntary Closing of Credit Accounts

If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes

information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the

account was closed. Section 623(a)(4).

Duty to Report Dates of Delinquencies

If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject

to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and

the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how

long to keep the information in the consumer's file. Section 623(a)(5).

Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports

information to CRAs may comply with the requirements of Section 623(a)(5) (until there is a consumer dispute) by reporting

the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with

the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date cannot

be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the

account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623(a)(5).

Duties of Financial Institutions When Reporting Negative Information

Financial institutions that furnish information to “nationwide” consumer reporting agencies, as defined in Section 603(p),

must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7). The

Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B.

Duties When Furnishing Medical Information

A furnisher whose primary business is providing medical services, products, or devices (and such furnisher's agents or

assignees) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of

this fact. Section 623(a)(9). This notice will enable CRAs to comply with their duties under Section 604(g) when reporting

medical information.

Duties when ID Theft Occurs

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is

the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information

that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the

consumer that the information is correct. Section 623(a)(6). If a furnisher learns that it has furnished inaccurate information

due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report

only complete and accurate information. Section 623(a)(2). When any furnisher of information is notified pursuant to the

procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place

for collection the debt except in certain limited circumstances. Section 615(f).

The Consumer Financial Protection Bureau website,


, has more information about the FCRA.

Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1681 et seq.:

Section 603

Section 604

Section 605

Section 605A

Section 605B

Section 606

Section 607

Section 608

Section 609

Section 610

Section 611

Section 612

Section 613

Section 614

15 U.S.C. 1681

15 U.S.C. 1681a

15 U.S.C. 1681b

15 U.S.C. 1681c

15 U.S.C. 1681c-1

15 U.S.C. 1681c-2

15 U.S.C. 1681d

15 U.S.C. 1681e

15 U.S.C. 1681f

15 U.S.C. 1681g

15 U.S.C. 1681h

15 U.S.C. 1681i

15 U.S.C. 1681j

15 U.S.C. 1681k

15 U.S.C. 1681l

Section 615

Section 616

Section 617

Section 618

Section 619

Section 620

Section 621

Section 622

Section 623

Section 624

Section 625

Section 626

Section 627

Section 628

Section 629

15 U.S.C. 1681m

15 U.S.C. 1681n

15 U.S.C. 1681o

15 U.S.C. 1681p

15 U.S.C. 1681q

15 U.S.C. 1681r

15 U.S.C. 1681s

15 U.S.C. 1681s-1

15 U.S.C. 1681s-2

15 U.S.C. 1681t

15 U.S.C. 1681u

15 U.S.C. 1681v

15 U.S.C. 1681w

15 U.S.C. 1681x

15 U.S.C. 1681y

What is Credit Repair?

Posted on October 29, 2018 at 10:15 PM Comments comments (0)

What is Credit Repair?

According to Experian here is your answer:

When people mention credit repair, they are often referring to organizations that charge a fee, promising to remove negative information from your credit report. The most important thing to know about these organizations is that there is nothing they can do for you that you can't do for yourself.

If you feel there is inaccurate information appearing on your credit reports, you have the right to contact each of the three credit reporting agencies and dispute that information for free. You can dispute information on your Experian credit report online, by phone, or by mail. The easiest, fastest and most secure way to dispute information is online at www.experian.com/dispute.

Credit repair companies do not have any special rights or privileges when it comes to disputing information on your credit reports. They are regulated by the Credit Repair Organizations Act (CROA). Before paying for services with any organization promising to fix your credit, be sure you understand your rights under this federal law. Here are just a few of the things the law requires. The organization:

  • must provide a written contract specifying the services it will provide
  • must allow three days for you to withdraw from the contract
  • cannot advise you to make false claims are alter your identity, which could make you guilty of credit fraud
  • cannot take any payment until it fulfills all of the terms of the contract
  • cannot promise to remove accurate information from your credit report in return for payment

Improving Your Credit

The single most important factor in credit scores is paying your bills on time. If you are trying to improve your credit scores, it may be more beneficial to use the money that would be spent on hiring a credit repair firm to pay down any outstanding debts on your credit report and bring any past due accounts up to date.

Once your accounts are current, the most important thing you can do is make sure all of your payments are made on time, every time.

You may also want to consider ordering your credit scores from each of the three credit reporting agencies.

When you receive a credit score, it should come with a list of the elements in your credit report that are most affecting your score. Paying attention to this list will help you determine what changes you can make to further increase your credit rating going forward.

Credit Facts You Can Count on to Score

Posted on October 29, 2018 at 9:50 PM Comments comments (0)

6 SECRETS ABOUT YOUR CREDIT MAYBE HURTING YOUR CREDIT SCORE - Some factors affecting your score might be obvious, others are sneaky and easy to overlook. Make sure you consider all of the factors that affect your small business credit score.

Whether you’re in the market for a new credit card or a business loan, you probably already know that potential lenders will scrutinize your business’s history and financials. But did you know that your personal credit score can affect lenders’ decisions about whether to extend you those loans and lines of credit?

If that seems unfair, consider this: Until you’ve established a solid line of business credithttps://www.crilegal.com/credit-guide" target="_blank">, the only history available for potential lenders to assess is your personal credit score. And while some of the factors affecting your score might be obvious (failing to pay bills; maxing out credit cards), others are sneaky and easy to overlook.

But before we dig into the surprising pitfalls that could lower your score, let’s get the basics out of the way.

What’s my credit score, again?

Think of your credit score like a debt management report card. A high score tells potential lenders that you’re responsible and trustworthy—someone who can be relied on to pay back their debts. A score of 700-749 is considered good; anything above 750 is excellent.

When you were a kid, your parents might have rewarded you with money for stellar grades. That’s kind of how your credit score works, too—except that money comes in the form of you getting approved for more types of loans, with the best possible rates. Lenders determine if you’re credit worthy by checking your FICO score—a decades-old system that’s now used by all sorts of lenders to estimate your creditworthiness.

The Sneaky Reasons Your Credit Score Might Be Tanking

Maintaining solid credit is one-part diligent maintenance and two parts careful balancing act. Sure, you’ll want to pay your bills on time, in full, every month. You’ll also want to use your credit cards—but not too much. You’ll want to maintain a healthy mix of credit accounts, like a mortgage, car loans, and credit cards—but don’t go overboard, opening a slew of accounts.

Monitoring your credit-related activities so closely might feel like overkill but trust us—soon it’ll be second nature. Remember to follow the two ground rules: Pay your bills on time and pay off your debt. And be on guard against these 6 surprising reasons your credit score can take a hit.

1. Library and Other Rental Fees

Been holding on to that battered copy of “Who Moved My Cheese?” for so long, you think it’s not worth returning? Think again. The 2008 recession inspired libraries and media rental companies (like Netflix and Redbox) to keep track of delinquent accounts. They report these accounts to collection agencies, who in turn rat on you to the credit bureaus. So, round up those overdue books and movies and prepare to settle up.

2. Your Gym Membership

Gym contracts’ stringent canceling policies seem downright cruel, with many requiring you to send a letter or cancel in person. But if you’re not using the membership, cancel it. Don’t let monthly unpaid fees pile up, and don’t even think about simply closing the account from which you paid those fees. Defaulting on your dues could trigger the collectors to come after you—but closing your account will lower your score even more.

3. Opening New Accounts

Whenever someone requests your credit information, it shows. Called “credit inquiries,” these requests come in two varieties: “soft” and “hard.” Soft credit inquirieshttps://www.crilegal.com/credit-guide" target="_blank"> occur when a non-lender, such as a future employer, requests your credit score. Most of the time, this doesn’t affect your score.

A hard inquiry happens after you’ve applied for some type of credit, triggering the lender to request your score. These types of inquiries can lower your score. That’s because your request is a red flag, signaling to credit bureaus that you need money and could possibly default on your debt.

4. Changes to Current Accounts

Like opening a new account, requesting a change to a current account—like increasing your credit limit, or lowering your annual interest rate—is considered a hard inquiry. Your credit card company will need to check your credit, resulting in a lowering of your score.

5. Parking and Speeding Tickets

It’s amazing how these seemingly minor violations can dog us for years. If you fail to pay a ticket and it ends up in collections, you’re delinquent. Your debt will be reported to the credit bureaus, where it can cause your score to drop dramatically—sometimes by as much as 50 to 100 points.

6. Failing to Use Your Credit Card

Credit bureaus like to see that you have access to a lot of credit but don’t use it all. Experts suggest targeting a credit utilization ratio below 30% (i.e., you’re using only that percentage of your available credit). 

Rather than trying to hit that ratio, it might seem easier to simply not use your card at all. But paradoxically, an unused card is terrible for your credit score. If your account shows six months of inactivity, your bank may stop reporting your card information to the credit bureaus. Or they might close your account, full stop. Either situation will tank your score.

But don’t be discouraged: A healthy credit score is achievable with a little time and effort. Monitor your credit (and snag your free annual report from AnnualCreditReport.com) and pay your bills in full. Than get that small business loan—and use it to expand your hiring, purchase new equipment, or move into a larger space. Because the ultimate reward of a healthy credit score is the opportunity to dream bigger. 


Posted on September 21, 2018 at 10:30 AM Comments comments (0)

SEO Tips and Tricks.

1 # : I observed one interesting thing in this 2014 that – even if it a smaller or larger site – We Can Rank (this is for small websites owners) ! Previously this is not the situation and small websites owners never tried big fearing bigger sites about their authority in Google. And I have seen seen so many positive results which I cannot share and this will be a good factor.

2 # : Please don’t go after backlinks : Better concentrate creating more quality content and dont waste too much in getting backlinks (either money or time).

3 # : STOP DOING guest posts to obtain links. Google already made several announcements about this.

4 # : TRY to engage the viewers (with commenting and feedback) and also make sure that you make PERFECT navigation in the site to make sure that users/visitors can navigate through the content without any complexity.

Here are some more essential things that one should follow to maintain the Rankings

#1 Have a Responsive Web Design

There has been a drastic growth in the use of smartphones and tablets, in the past few years. And most of those users prefer browsing the internet through those devices. Make sure that the content of your website is easily readable when viewed through all other devices like such; in short, improve your website’s responsive design. This is a very important factor that can affect your SEO since, if your website doesn’t provide a good user interface, the user will shift to something that does.

#2 Use Social Media

Publicizing your article on Social Media is a very important technique to, not only get more hits, but also to improve your SEO. Google Plus’s +1 carries around 0.37% of the weight-age of your page’s SEO. So, the better you reach out to people on Social media, the better it is for your website. Still there is lot of.

#3 Go with a Content Management System (CMS)

Use a proper content management system that offers various plugins. WordPress is one of the most used content management systems, nowadays. It not only provides you with amazing plugins, but will also help you frame your content and images in a way which will make it easier for Google bots to traverse. Although, using a CMS is not a must, it is highly advisable. Blogspot and Drupal are a couple of other famous CMS.

#4 Have a killer UX

Good User Experience (UX) can lead you to great results. See that the navigation from one page to another inside the site, is easy, even for a normal user to do. Also, see that the loading time of the website is minimal, not only on a PC, but also on other devices. Learn more about UX and make the most out of it.

#5 No need to Get a good Domain Name

I would say its just a factor and its not compulsory to make a domain name keyword related to your niche – because Branding is also an alternative for that. If you have one then its GOOD because I still see lot of niche sites ranking for the keywords and the search engine still recognizes it even after many panda and penguin updates. Still it is a DEBATE and its no harm if you have keyword in the domain !

#7 Keyword Analysis

Look for keywords that have low competition and high search volume. This will help you write articles using such words as the keywords and gain more users. Google Keyword Planner is a free SEO tool that will help you find such words. Instead of using a single word, it is advised to use key phrases. And also, make sure that you know how to use a keyword in the context. However, the most important of things is to produce good quality content that your readers would connect to.

#8 Link Building

See that you first build proper inter links among the pages of your website so that it gets easier for the user to navigate. It is fine to use keyword in the links but make sure that you link it only to a relevant page on your website. This can help you improve the rank of other webpages in your website.

Always use relevant, high quality links that go out of your website. This builds a trust to Google that what you are referring to is important and useful. And this might eventually push your website to higher position in the search results. And, keep away from bad and low quality links. Then again, there are few tiny basic mistakes that newbies tend to do.

Things that one should NOT do for SEO

#1 Stuffing content with keywords.

This was an old trick and is lethal, if you do it now. See that they keyword density is in between 10-15%of your content and not more than it. And also, include they keyword only if it naturally goes with the sentence. Do not stuff them everywhere you like because that will only pull you down and down and down. 

#2 Stealing content.

This is the worst possible thing one can do. We write to share our views to our readers and not do a Ctrl+C and Ctrl+V. Although most don’t do this, some get misguided into the trap.

#3 Building unnatural links.

You must’ve heard that the more the number of links, the better it is. And someone might have even suggested you to get links from automated bots. No! Do not blindly build links bearing an impression that it will get your page higher in the list. The opposite, exactly, will happen.

#4 Writing large amounts of useless content.

Although content is the king, it doesn’t mean that you write more and more useless, irrelevant content just to increase the number of blog posts. Remember, the lower the quality of content, the lower will be the rank of the page. Write content that is useful and relevant to the topic.

Stealing content also includes the “rewriting articles” and Google is smart in identifying the stuff even if copyscape.com misses it ! Know about the Google panda which takes care of spam and useless content. Useful I mean = New and Unique content.

These are few important tips to follow and to not follow in 2018, to make the best of your SEO. Hope these will help you with your website.

Marketing Tips for MErchandising Websites

Posted on September 21, 2018 at 4:55 AM Comments comments (1)



We Do A lot of Different Things at CriLegal.com and some of those things are never known by the people whom visit our site or speak with our staff; so we would like to share some of the best kept secrets in our breadth of business and legal services worldwide. 

Due to the Emense Reach of our Services We Are Required to Divide the Services into Sub Catagories

Business Consulting - Innovative - Creativity - I.T. Misc. - Marketing - Services 

Data - Skiptracing - Research - I.T. Misc. Services - Investigations - MarketingBusiness Consulting


Commercial Credit/Understand Business Credit

Posted on September 11, 2018 at 12:25 AM Comments comments (0)


8)    Understand Business Credit    8)

What Scores are Included in a D&B Credit Business Credit Report?

Dun & Bradstreet’s comprehensive credit reports, accessed through D&B Credit, are uniquely suited to help you assess not only a business's current state, but also its future outlook. The reports include several types of predictive (future) and performance-based (historical) scores, including the D&B Viability Rating, the D&B PAYDEX, and the D&B Failure Score. They’re based on predictive modeling analysis and take into account the full range of data that Dun & Bradstreet has available on a business, including past payment patterns, public filings and financial information. Reports also contain financial statements, trade payment data, legal events, corporate family trees, and other third-party web and social information.

What is a Commercial Credit Score?

Unlike consumer credit, there’s no one single credit score in commercial credit. Dun & Bradstreet provides multiple types of scores to help companies assess business credit risk on their customers, vendors, and partners. In Dun & Bradstreet’s DNBi platform, the Commercial Credit Score (CCS) predicts the likelihood of a business paying its bills in a severely delinquent manner (91 days or more past terms), obtaining legal relief from its creditors or ceasing operations without paying all creditors in full over the next 12 months. This score is known as the Delinquency Score in the new D&B Credit platform. The score ranges from 1 to 100, with higher scores indicating a lower probability of delinquency.


What is a Delinquency Predictor Risk Class?

A Delinquency Predictor Risk Class is a segmentation of the scorable universe into five distinct categories - low, low-moderate, moderate, moderate-high, or high – to classify whether businesses have the lowest probability of delinquency or the highest probability of delinquency. This Class enables a customer to quickly segment their new and existing accounts into various risk segments to determine appropriate credit policies. Note: Delinquency Predictors are not calculated for those businesses designated as Discontinued at This Location, Open Bankruptcy, or Higher Risk. These records are automatically assigned a score of zero (0).

How is severe delinquency defined?

A severely delinquent firm is defined as a business with at least 10% of its weighted dollars 91+ days slow. Dollars are weighted based on total balance of 91+ accounts compared to total balance owed.

What does a Delinquency Score of "Zero" mean?

Delinquency scores are not calculated for those businesses designated as "Discontinued at This Location," "Open Bankruptcy", "Higher Risk." These records are automatically assigned a score of zero (0).

What is the Failure Score and What Does it Mean?

D&B's Failure Score in D&B Credit is designed to help you predict the likelihood that a company will obtain legal relief from creditors or cease operations without paying all creditors in full over the next 12 months. The score uses the full range of Dun & Bradstreet information, including financials, comparative financial ratios, payment trends, public filings, demographic data and more.

Dun & Bradstreet defines a failed or financially stressed company as one that:

Ceased operations following assignment or bankruptcy

Ceased operations with loss to creditors

Voluntarily withdrew from business operation leaving unpaid obligations

Is in receivership, reorganization, or has made an arrangement for the benefit of creditors.

Voluntary discontinuance involving no loss to creditors is not defined as financially stressed.

The risk information for the Failure Score in D&B Credit is classified in two ways, from the broadest (the class) to the most specific (the numerical score.) The classifications are:

1. A "Percentile" of 1 - 100, where a 1 represents businesses that have the highest probability of financial stress, and a 100 which represents businesses with the lowest probability of financial stress. This Percentile shows you where a company falls among businesses in the D&B information base, and is most effectively used to rank order a portfolio from highest to lowest risk of business failure.

2. A level of risk "Class" which is a segmentation of the scorable universe into five distinct risk categories - low, low-moderate, moderate, moderate-high, or high – to classify whether businesses have the lowest probability of financial stress or the highest probability of financial stress. This Class enables you to quickly segment new and existing accounts into risk groupings to determine appropriate credit policies.

What does a Failure Score of "Zero" mean?

Failure Scores are not calculated for those businesses designated as "Discontinued at This Location," "Open Bankruptcy" or "Higher Risk." These records are automatically assigned a score of zero (0).