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Avoid These Mistakes When Disputing Credit Report Errors

Consumers have the right to dispute incorrect information contained in their credit reports, but it is important that consumers follow the right procedures when disputing these errors to achieve satisfactory results. Many common errors that consumers make will hinder their efforts and lead to less than satisfactory resolutions. 1. Engaging Only the Lender While it is important to directly dis...

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How to Survive Driving in the City

For drivers who are not used to busy streets, traffic jams, bumper-to-bumper congestion, a continuous array of traffic signals and signs, and large numbers of bicyclists and pedestrians, city driving presents unique challenges that pose safety risks. Fortunately, there is a lot of drivers can do to ease the pain of driving through the city. If you or a family member was seriously injured in a c...

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Can Late Payments Be Reported After Bankruptcy Is Filed?

There are certain guidelines that creditors must follow when a consumer files bankruptcy and it is a violation of the FCRA for creditors to report negative activity that occurred after the bankruptcy was filed. However, any negative activity that occurred before the filing can be reported by creditors and can remain on a consumer's credit report for up to seven years. The Seven Year Wait Late...

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New Alert System Prevents Kids from Being Left Out in the Cold

Auto manufacturers have developed a new radio-based auto sensor that detects the presence of an unattended child left in a car and sends warning alerts to parents. The auto technology system, VitaSense, helps protect children from vehicular heatstroke and cold exposure. If your loved one has been seriously injured due to negligence, call an experienced Las Vegas injury attorney at Cogburn Law O...

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Who Pays for Research-Related Injuries

Clinical research studies can pose risks such as illness, injury, adverse reactions, and even death to participants. Although most research-related study sponsors are willing to pay for the costs of some subject injuries, they are not willing to pay for costs incurred due to an institution’s mistakes, reckless or negligent behavior, or failure to follow proper protocol for the study. Sponsor...

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Pedestrian Barriers Make Their Way to the Strip

Recently, the first phase of pedestrian barriers was installed on the Las Vegas Strip to prevent motor vehicles from crashing into pedestrians. In 2017, Nevada saw the highest number of pedestrian deaths on record. Clark County officials assert that new barriers along the Strip will help prevent future pedestrian injuries and fatalities. Pedestrian Injuries on the Las Vegas Strip On January 1...

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Who Is Looking at Your Credit Score?

Entities with a legitimate interest can access an individual's credit report and score, but the Fair Credit Reporting Act (FCRA) regulates the reasons entities that may access this information and what they may do with it. Those who fraudulently access the information or otherwise use it in a manner contrary to the authorized uses outlined within the FCRA can face both civil and criminal penalt...

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What You Should Know About the Recent Equifax Data Breach

From May to July of 2017, a security breach at Equifax compromised the personal and financial information of 145.5 million consumers exposing Social Security numbers, credit card numbers, drivers licenses, addresses, and dates of birth. This was the largest theft of such information in American history and the scale of the breach means that nearly every adult in the United States is now at sign...

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Reaction Times Are Critical When You’re Behind the Wheel [infographic]

Motor vehicle drivers who cause or contribute to traffic accidents have longer reaction times to potential road dangers than other drivers. Although driver reaction times vary greatly between drivers and situations, safety experts suggest that drivers pay close attention to the time it takes to slow down and bring a vehicle to a safe stop. If you or a family member was seriously injured in car ...

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Are Debt Collectors Using Your Social Media Posts Against You?

Debt collectors can use social media to conduct investigations on individuals who owe debts, but they cannot use the platforms to publicly shame debtors. Debt collection companies that harass or otherwise attempt to shame individuals via Facebook, Twitter, Instagram, etc. are not in direct violation of the Fair Debt Collection Practices Act. However, while it is not a specifically identified an...

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