Most news articles on consumer law are needlessly confusing. Attorney Mike Cardoza takes a straight, no-nonsense approach on the current issues facing consumers today. Our blog provides an insider’s view on consumer rights, and explores topics such as threats to privacy and unfair credit reporting. Be sure to check back for regular updates.
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Testifying as a Victim at an ID Theft Restitution Hearing If you have been contacted about testifying at an ID theft restitution hearing, you should have a lawyer. In CA, reach out to consumer attorney Mike Cardoza. -
Possible Legal Remedies in CA for Background Check Violation If an employer or background check provider violated your rights, you may be able to sue for monetary damages. Find out more about what you may be awarded here. -
California Fair Chance Act Protects Job Applicants’ Privacy Under California’s “Ban the Box” act of 2018, employers cannot ask you about your criminal history until they are ready to offer you a job. What does this mean? -
Your Credit Report After a Bankruptcy Discharge After filing for bankruptcy your credit reports should reflect a zero balance for any accounts you have discharged. You might have to take steps to ensure that. -
Fair Credit Reporting Act Privacy Violations Under the Fair Credit Reporting Act, only certain parties can request your credit report and they must have a valid reason. This rule is often violated... -
Employer Misuse of Credit Reports and Background Checks Employers can access your credit report for background checks but must follow certain guidelines. If they don’t, they and the CRA can be sued for damages. -
Credit Reporting Errors Cost Consumers Thousands of Dollars Even the smallest inconsistencies on a credit report can be costly for a consumer. Find out how mistakes can affect your credit rating and cost you money. -
Credit Reporting Errors After Bankruptcy You're supposed to get a fresh start after completing Bankruptcy, but these Top 6 Credit Reporting Errors could take it away from you... -
Credit Report Errors That May Cost You 1 in 5 Americans have an error on their credit report - Is yours costing you money? ... -
Equifax data breach - what NOT to do... Why you should not visit the Equifax website to sign up for their offer of free credit monitoring. It’s a trick! Learn more here.