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Category Archives: Fair Credit Reporting Act



Credit reporting agencies typically report bankruptcy information for a period of ten (10) years. This, however, does not mean that your credit rating will remain low for that entire time. Credit scoring takes into account the age of derogatory information, and discounts the value of that information the older it is. Therefore, […]



In Gillespie v. Equifax Information Services, L.L.P., No. 06-1952 (May 3, 2007), the Seventh Circuit recently ruled that the Fair Credit Reporting Act’s fundamental requirement that “[e]very consumer reporting agency shall, upon request . . . clearly and accurately disclose to the consumer [a]ll information in the consumer’s file at the time of the request.” […]