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Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.

The Fair Credit Reporting Act (FCRA) was originally passed in 1970. The FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. The information in your credit report is used to evaluate your application for credit, insurance, employment, and renting a home. Your credit report contains information about where you live, how you pay your bills, whether you’ve been sued or arrested, and whether you’ve filed for bankruptcy. Therefore, you should be sure the information is accurate and up-to-date.

Credit errors: In 2013, a study revealed that 40 million Americans have a mistake on their credit report. Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates on loans, you may be denied for credit, insurance, a rental home, or a loan because of these mistakes. If you have a mistake on your credit report, there is a process to dispute them.

Damages: If a credit reporting agency violates its obligations under the FCRA, you may be entitled to statutory damages up to $1,000.00, actual damages, and punitive damages.

Attorney’s fees: The FCRA has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs.

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Submitted Comments

Doris
9 months ago
So my credit score was a wash due to several discrepancies preventing me from moving on to bigger and better things. Through my rounds HACK WEST had all the bad credit was cleaned off my record improving my chances to own my first home. Not only did my credit score improve to over 250 points but I could call at any time and get advice on student loans, advice on what will happen if I take my 401K out, and several other financial issues I came across since we\'ve been working on my credit. I can trust [email protected]. He knows his stuff. Also, the amount he charges was within my budget. I\'m grateful, give him a try and you won’t regret it.
Jim
10 months ago
I was sitting on my couch on a Sunday morning when I overheard them talking about Clever Credit Fix. I had to make more inquiry about how I could get this done without falling victim to a hacker again with the intention to seek advice regarding my late payment, negative items and how I could raise my credit score across my three credit bureaus reports. I got in contact with the hacker the following days and he replied quickly about how I could get everything done within the next 72 hours. I never knew I could live a happily live once more until I paid off my outstanding credit debt on my credit report and got approved for an auto loan deal worth over $178k within few weeks then I can finally testify that I got my credit score been boosted to 810 without no physical contact or any traces been found on my credit report activities. You can make contact with him anytime through C L E V E R C R E D I T F I X 1 @ G M A I L . C O M
Bec
10 months ago
Story about how I got away from bankruptcy . If you are truly In need of a hacker who can take you out of financial stress plus boost up your credit score permanently without it coming back to your tradeline then you need to search no more as you can contact XAPCREDITSOLUTION AT GMAIL DOT COM. I have strongly believed in XAP Credit after Justin Lemme recommended him. I had bankruptcy, collections, foreclosure, medical debts and other negative items that messed up my score. He was able to clear up my capital one credit card and Discover card too, he also cleared up other debts, negative items, removed foreclosure, bankruptcy, collections and increased my fico score. I am thankful for your help and to Justin Lemme who recommended you guys.
Marshella
10 months ago
After reading different reviews about XAP CREDIT SOLUTION and contacting them there after, I had a turn around in my credit score and I am happy I followed my conviction and contacted XAP. My husband’s credit was also fixed as well as that of my dad, so I can confidently say XAP is professional and knowledgeable about what he does. For those with bad credit and are interested in fixing it, I will recommend you write [email protected] as quickly as possible. Thanks
Michael Agruss
3 years ago
Hi Chrashinda. It certainly sounds like you've got a few issues on your credit reports and I would be frustrated, as I'm sure you are, especially if you've been denied employments, housing, and credit. I would like to talk with you about this and see how I can help. I will give you a call or you can reach my office at 888-572-0176. Thanks, Mike
Michael Agruss
3 years ago
Hi Blake. Halsted Financial Services is a legitimate company. If you are unsure about the debt being legitimate, you have the right to request a debt validation letter from them. I can help you with this--give me a call at 888-572-0176. Thanks, Mike
Michael Agruss
3 years ago
Hello. If you were speaking with Kylie and got disconnected, you can contact us again and continue the conversation regarding your case. Give us a call or use the agent contact form at the top of the page. Thanks, Mike
Michael Agruss
3 years ago
Hello Rebekah. Before I can determine if your boyfriend can sue this attorney, I would need to get some more information from you or him. Please give me a call and we can discuss this further. Thanks, Mike
Michael Agruss
3 years ago
Hello Susan. I'm sorry that you're dealing with such a predatory mortgage company. I have heard multiple complaints that are similar to yours and I can absolutely understand the frustration you're feeling. I would like to speak with you about this further--give me a call. My law firm is experienced in dealing with this type of behavior from mortgage companies and debt collection agencies and we can likely help you as well. 888-572-0176 Thanks, Mike
Michael Agruss
3 years ago
Hello Carolyn. It sounds like you've received conflicting information from Greentree Servicing. I'm sure it makes things difficult, especially when you're not sure who to believe and you're both dealing with job issues. If you'd like help in dealing with this, reach out. Thanks, Mike
Michael Agruss
3 years ago
Hi Karen. It could be that your payday loan debts were sold and Halstead purchased them. This is what these debt collection agencies do; they purchase your debt from the original creditor and attempt to get you to pay. This can go on many times and even when the statute of limitations is over for suing you, they are still able to call you and send you letters. If you need assistance in determining why they are calling, you can certainly give my office a call. We can work together on this to get it resolved. You can reach me at 888-572-0176. Thanks, Mike
Michael Agruss
3 years ago
Hi Cindy. Debt collectors are permitted to contact any friends and family they can find only to secure contact information for you. They are not permitted to harass them, disclose your personal information to them, or call you and bother you at work, especially if you have informed them to not call there. They are also not permitted to threaten you with legal action, including arrest, without fully intending on pursuing you in the courts. Doing these things is a violation of your rights and could result in you receiving compensation. All of that will depend on the unique details of your case, which we can discuss in more detail. Please give me a call at your earliest convenience. Thanks, Mike
Michael Agruss
3 years ago
Hi Donna. I'm sorry to hear that you were injured when you should have been enjoying a nice meal out. If you are experiencing ongoing pain from your injuries, you may have a claim against them. How much you can receive will depend on the nature of the injuries and the state that you reside in. If you'd like to speak with me about your claim, you can reach me at 888-572-0176. Thank you, Mike
Michael Agruss
3 years ago
Hi Judy. Alpha Recovery Corporation is a third-party debt collection agency based out of Colorado. Do you have a debt that you may owe that they may be pursuing? How often are they calling you? If they are harassing you, they could be violating your rights. I would like to speak with you about the calls you're receiving from them. Give me a call at my office, we are experienced in dealing with Alpha Recovery Corp, as well as many, many other debt collection agencies. We can have a free, no-obligation consultation; you have absolutely nothing to lose. I look forward to speaking with you. Thanks, Mike
Michael Agruss
3 years ago
Hi George. I'm sorry to hear that you've been dealing with these kinds of issues from the voluntary return of the mobile home you had. I can certainly discuss your options with you. I will give you a call or you can reach my office at 888-572-0176. Thanks, Mike
Michael Agruss
3 years ago
Hi Jamie. I'm sure it's frustrating when you thought you had this matter resolved only to find out that it wasn't. I can certainly discuss this with you in more detail to determine what your next course of action could be. I will give you a call. Thanks, Mike
Michael Agruss
3 years ago
Hi Mark. It sounds like you're dealing with some issues with your payment not being posted properly. This can lead to some issues down the road, which I'm sure you're aware of. I would like to see how I can help you and I will reach out to you to discuss this further. Thanks, Mike
Michael Agruss
3 years ago
Hello Pamela. I would be happy to speak with you again about your issues with your timeshare clients. Please feel free to contact my office and we can discuss this further. Thanks, Mike
Michael Agruss
3 years ago
Hi Jane. I would be happy to discuss what you can do about the erroneous charge from Remington. Please reach out to my office at 888-572-0176. Thanks, Mike
Chrashinda
3 years ago
My complaint is credit reporting errors, credit denials, and damages. On my report I have an old Bank of America account reporting two late payments that they refunded me on for the errors but confirmed it as reporting correctly three times. 2/3 Collections accounts reporting as open/active accounts and payments overdue. They’ve been removed and reappeared when confirmed as reporting correctly my score dropped with every reappearance. Students loans falsely reporting late payments and came back as confirmed they show that they are obviously incorrect I’ve never had payments and I’ve never been late. Because of this I’ve been denied employment, credit and housing.
Jane
5 years ago
There is a charge from Remington on my credit report for the Month of October in 2017. I do not owe them a penny. I was living off my security deposit. I want to dispute the charge and have it removed ASAP. I need to find a place by the end of May!
Pamela
5 years ago
We have clients with erroneously reported repossession of a timeshare. This impacted a SBA refinance that we completed got them in Nov 2017 and is impacted them once more as we work to obtain a line of credit for them. Can your firm assist in getting this corrected. Our efforts in contacting the three credit reporting agencies has been futile. Sorry the auto correct on iPad just completely whacked my prior text. I apologize if it doesn't make sense. I have used your firm on a personal matter in the past. The clients we are working with are located in Grover NC. The clients signed an initial contract w/ timeshare group only to learn afterwards that fees and costs were not fully disclosed. The clients contacted both the timeshare group and their bank regarding check they provided at the time of signing. The timeshare group assured them that contract was cancelled only to later report it as a repossession. This is incorrect. The client were never issued or took possession of any timeshare property. And from my opinion the timeshare group should have been reported for non disclosure of fees!
Mark
5 years ago
My name is Mark. Collector A shows a debt to a storage. Somehow I paid collector C which has not cleared the account with A. A has referred the account to collector B. More than one collector has the same account. Ii have learned to not pay unless confirmation of account details, and cooperation in clearing account with credit bureau!
Jamie
6 years ago
I had many errors on my credit report that were disputed and the creditors didn’t reply and they were removed a year ago. I was able to refinance my house and obtain other credit lines but now little by little these same collections are reappearing in my report. What can you do to help and make these creditors pay for continuing to report bogus information and make the credit bureaus pu for continuing to let them re report the same as formation they failed to validate and had to remove previously? Hoping that you can help! Jamie Mattingly
George
6 years ago
I purchased a mobile home in 1998 from Associates Housing. The account was taken over by Vanderbilt Mortgage. In 2013 I voluntarily returned the home to the lender. Since 2013, I have been denied credit, jobs and mortgages due to the different experiation dates, amounts and payments reported incorrectly. Please contact me about my options.
Judy
7 years ago
who is alpha recovery they call and call never leave message!
Donna
7 years ago
I have not filed yet why should I employ u. I was at a restaurant sitting outside an umbrella two tables away came right at me To get away I fell twisted ankle my hair was snatched out I was bruised a chair fell on me etc. I did go to the hospital by ambulance. I have ankle soreness and back problems I had therapy but the pain remains. The back pain is consistent as well as ankle pain!
Cindy
7 years ago
Im having issues with GC Services. Calling and threatening me, refusing to send proper paper work and requesting that I disclose my banking info to pay debt or I'll go to jail and have my wages garnished. I tried to consolidate my loans but the amount was incorrect. Constant back and forth and the dept of edcuation losing my paper resulted my account transferred to DMCS DRG. Payment arrangements were setup to $150 every two weeks, so I thought well I started receiving calls from GC services requesting I pay an amount that differs from what the dept of education has told me. long story short they called employer left a detail message about my situation resulting in the HR department sending me an email. They've called my mother who is not a person of contact (she recently had a stroke) several times a day stating they will arrest me. they've even called my handicap son, who is not a person of contact about my issue. One rep stated she found them in the phone and will call them and anyone within that area to get info out so I can pay. I recenlty go reprimaned by my employer because of the harrassing calls!
Karen
7 years ago
hi i got a prerecorded call at my job today from halstead gave me a case number that i have to give u later saying to call them or they are going to submit my info without a statement from me i didnt call them back. i dont know wo they are what they want i have owed payday loans in the past so i dont know if it is bevcause of that!
Carolyn
7 years ago
I found your link on the facebook page Victims of Greentree Servicing. Our mortgage was transferred from Everhome to Greentree in June. My husband is alone on the mortgage and he filed Chapter 7 which was discharged in 2010. Ever since Everhome took over the servicing, they have been continuously calling to collect the payment, usually prior to the 15 day grace period allowed in the note. In addition, we were both unemployed for a period of time earlier this summer and fall. We called to request an unemployment forbearance. Instead of processing the request per the Fannie Mae guidelines, they told us that we needed to fill out an application first. We did so and returned it to them on October 9. They have yet to respond to us regarding the forbearance request, instead stated that we didn't send in a complete package for a loan modification which is not what we wanted. Every time they call they try to collect the past due amount on the account. Which, from our understanding, is directly against the bankruptcy protection that he is under. In addition, they sent us a Notice of Demand for October and Novembers payment and included the late fees. When I spoke to them yesterday, the rep told me to ignore the notice of demand and said that we instead needed to pay three months of payments!
Susan
7 years ago
I have an evil mortgage servicing company that bought my BOA mortgage. they are holding all of my payments from June in a separate account and not applying them. they have also arbitrarily decided to apply everything to interest and not principle. They try to make it impossible for me to make payments, trying to create late fees and prolong the interest and they charge$12 to make a payment when I am not blocked from the website (which I have been multiple times) and when I can get through to a rep. It is Green Tree Servicing and someone needs to do something about them. I am definitely being overcharged interest. I will tell you that I am 2 months behind on payments which equals about $2200, but they claim I am behind $4800! If your firm does any class actions, there are 10s of thousands, possibly hundreds of thousands of others like me out there. I do have an audio tape of Green Tree trying to prevent me from making a payment and also the guy threatened me. he yelled at me that I could not afford my house and I needed to give them a deed in leiu of foreclosure. I kept telling him that I was just wanting to make my payment, just one month behind back then. I also have a Home equity loan with Wells Fargo. Had an illness and hospitalization that started my trouble and had a large decrease in income. Tried to do HAMP and they said I did not prove a reduction of income. I am just hoping someone can stop these sharks!
Rebekah
7 years ago
Hello. Several years ago my fiance took out a title loan on a '96 Jeep, paid it off, & got back the title. Later, he went to another title loan company, took out a loan, and opted to let the company take possession of the vehicle because he could not fix it well enough to pass inspection. That company gave him a letter his debt was "Paid in Full." Last year, the original title loan agency sent him a summons. He went to court, and discussed with the agency's attorney it must have been a mistake because he had paperwork proving it was paid. The attorney said he would get a continuance, and told my fiance to come back at "x- date and time." When he did, he was told his court date had already passed and a judgement was made against him. He decided to let it go figuring it couldn't be enough money to pursue. His wages began being garnished, and he saw today the attorney got $6,700 for the '96 Jeep, plus 99% interest, and each week he is owing more than the original judgment. Can he sue the attorney to get this reduced!
Visitor
7 years ago
I was chating with kylie, i had to walk away and chat was ended. Shortly after I had surgery on my neck I was served document from Zakheim and LaVrar. I had no recollection of being served and had no idea where the documents were placed. This was 11/13/13 (surgery was 10/13/13). They documented I was in a neck brace. Because I don't remember I never went to court. The judge naturally ruled in favor of Discover Card and I owed the debt. I began paying $25 a week on the debt and their is no interest accruing. There has been no break in ACH payments. Recently they started calling and telling me I haven't been making payments that they stopped. After a number of these call I set up a new ACH payment. Now I have two ACH payments being taken out for $25 a week. One to Discover that was original and one to Z&L Trust that is the new one. HELP!
Blake
7 years ago
Just got off the phone with a debt collector from Halsted Financial Services (HFS). They had my social security number and said I had outstanding debt from a check cashing center regarding a loan. I just want to know if this Debt collecting company is a legitimate company!