Page 29 - Pierce County Lawyer - July August 2024

LAW LIBRARY NEWS
ACredit Scores, Corrections, and Consternation
survey conducted this year by The Law Library has materials from Consumer Reports and the the National Consumer Law Center non-profit group WorkMoney (NCLC) that can help with this. The
found that out of the 4,300 participants NCLC publishes books that provide
BY STEPHEN SEELY
• Home Foreclosures
• Mortgage Lending
• Mortgage Servicing and Loan
Modifications
• Consumer Banking and Payments Law • Consumer Credit Regulation
• Credit Discrimination
• Fair Credit Reporting
• Truth in Lending
• Automobile Fraud
• Consumer Warranty Law
• Federal Deception Law
• Unfair and Deceptive Acts and Practices • Collection Actions
• Consumer Arbitration Agreements
• Consumer Class Actions
• Consumer Law Pleadings
• Surviving Debt
• Federal Practice Manual for Legal Aid
Attorneys
You can access Fair Credit Reporting and any of the other NCLC books listed above from anywhere and at any time just by visiting the Law Library’s website, www. piercecountylawlibrary.org, and clicking on the “Online Databases” button! From there you can click on the NCLC logo to learn more about their materials and to access their online library of books.
The Law Library can be reached at pclawlibrary@piercecountywa.gov
Stephen is the Pierce County Law Librarian.
they surveyed almost half of them found mistakes on their credit reports. More than a quarter of those errors were serious enough to damage the person’s credit score.
Some people discovered incorrect addresses, others found information that belonged to relatives, and an 82-year-old man was very surprised to learn that he had a new wife.
Correcting information on a credit
report can be challenging and there’s
no guarantee that it will be resolved in your favor. A good way to help manage the hassle of making a correction is to research the requirements for how specific and accurate the information must be when someone provides it to the credit reporting bureaus and the procedures
that credit bureaus must follow when you report an error.
1. Ryan Reynolds, Credit Checkup: Improving the Accuracy of Credit Reports, Consumer Reports, (Apr. 30, 2024) https://advocacy.consumerreports.org/research/ credit-checkup-improving-the-accuracy-of-credit-reports/
2. Id.
3. Lisa L. Gill, More than a Quarter of People Find
information and advice to attorneys and other advocates on various Consumer Law issues, including consumer credit reporting issues. Their book, Fair Credit Reporting, has entire chapters that explain important parts of the credit report correction process such as the duties of entities that report information to the credit bureaus, the accuracy and investigation duties of a credit bureau, information to consider before taking legal action, and sample pleadings and discovery.
The Law Library’s NCLC database also includes books that offer helpful information for the following topics:
• Access to Utility Service
• Consumer Bankruptcy Law and Practice • Fair Debt Collection
• Repossessions
• Student Loan Law
Serious Mistakes in Their Credit Reports, Study Shows, Consumer Reports, (Apr. 30, 2024) https://www.consum- erreports.org/money/credit-scores-reports/serious-mis- takes-found-in-credit-reports-a1061511185/
4. National Consumer Law Center, Fair Credit Reporting (10th ed. 2022), updated at www.nclc.org/library.
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Oppenheimer & Co. Inc.
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(425) 709-0404 Phone
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Oppenheimer Financial Professionals are well versed in the wide range of financial products
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July/August 2024 | PIERCE COUNTY LAWYER 29