The Consumer Justice Blog

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A credit report shows that it was fixed. But did a 609 debt validation letter help?

The Truth About 609 Debt Validation Letters: Do They Help?

If you’ve ever Googled “how to fix my credit fast” in the middle of the night, you’ve probably stumbled across the very real and wildly misunderstood 609 debt validation letter.  Supposedly, this letter can erase your debt, fix your credit, change your life, teach your dog to fetch, and maybe even lower your cholesterol. At […]

Credit Reporting Errors January 16, 2026
A prospective employee meets with a supervisor to discuss a Walmart application.

Walmart Application: Legal Tips For Your Background Check                    

Submitting a Walmart application should feel like the first step toward steady  employment, not the beginning of a bureaucratic scavenger hunt where the clues are vague emails and the prize is… more waiting.                       With thousands of Walmart jobs available nationwide and constant talk of Walmart hiring, you might think the Walmart application process would be […]

Background Check January 12, 2026
A woman points to her laptop, implying that checking annualcreditreport.com is important.

Why You Should Be Checking AnnualCreditReport.com Regularly 

Think of annualcreditreport.com as your personal spoiler alert for your financial story. When it comes to your credit report, surprises are rarely good. No one enjoys the “plot twist” of a mystery account or a payment marked late when you paid early. The truth is, most people don’t think about their credit report until something […]

Credit Reporting Errors January 09, 2026
A file drawer shows folders containing fraud warnings. It conveys what an EWS report might contain.

Decoding the EWS Report: What Every Consumer Should Know

Your EWS report is one of the least-discussed but most-impactful consumer reports in the U.S. financial system. Unlike your credit score, which makes itself known at every turn, your EWS report lurks quietly in deposit screening pipelines, flagging US bank account warnings tied to identity, returned transfers, risky transactions, or old account closures marked unresolved. […]

Credit Reporting Errors January 06, 2026
A renter provides RentGrow background check info online.

RentGrow Mistakes Can Kill Your Rental—Fix Them and Move In

If RentGrow costs you a rental, don’t accept defeat – fight back. Data mistakes shouldn’t dictate where you live or how you’re judged. You finally found the perfect apartment – reasonable rent, decent neighbors, and maybe even a coffee shop downstairs. But then it happens: “Your application has been denied due to your RentGrow background […]

Background Check December 29, 2025
A family looks sad at a car dealership after a credit report error got them denied.

How the Grinch Stole My New Car: A Credit Report Error Tale

Settle yourselves by the hearth, friends, and lend an ear to a tale of winter mischief – not of snowstorms or spoiled surprises, but of something more cunning, more maddening, and certainly far less festive: credit report error after credit report error. This tale concerns a man named Michael Lee What – a generous soul […]

Credit Reporting Errors December 23, 2025
A thieft breaks into a computer, highlighting the need for identity theft recovery services.

Identity Theft Recovery Services: Why Legal Help Beats DIY

Fraudulent credit cards? Compromised bank accounts? Misuse of your social security number? IRS tax fraud? Dark web exposure? Uncooperative creditors? It’s time for identity theft recovery services. Identity theft is one of the most disruptive financial events a consumer can experience, and its ripple effects can last for years if not handled correctly from the […]

Identity Theft Recovery December 22, 2025
A debt collection lawyer stands at here desk, ready to help.

Debt Collection Lawyer: A Guide to Beat Unlawful Collectors

Whether you’re being sued, hounded, or simply overwhelmed, a debt collection lawyer is the script doctor who can heal your frustration and rewrite your financial ending. If debt collectors were a movie genre, they’d be part horror, part dark comedy, and part telemarketing thriller. One minute, you’re sipping coffee; the next, you’re being told you […]

Debt Collection Harassment December 19, 2025
A couple prepares for a credit check for a mortgage by reviewing reports.

How to Prepare for a Credit Check for a Mortgage: Fix Errors

The credit check for a mortgage is meant to be like a financial mirror, reflecting your past money habits. When it feels more like a funhouse mirror, credit report errors may be the problem. You’ve dreamed of homeownership – the yard, the independence, the sacred right to choose a wall color not called “Landlord Beige.” […]

Credit Reporting Errors December 17, 2025