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The Cardoza Law Blog Can Be Your Inside Guide to Consumer Debt and Credit

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  • Don’t Go to an ID Theft Restitution Hearing Without a Lawyer
    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.
  • Penalties for Background Check Violations in California
    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.
  • Did an Employer Ask About Criminal Convictions Before Offering You a Job? If So, He Broke the Law
    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?
  • Check Your Credit Report After 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.
  • When Your Financial Privacy Has Been Violated
    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...
  • Take Legal Action If an Employer and CRA Broke These FCRA Rules
    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.
  • The Real Cost of Credit Reporting Errors
    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.
  • These Common Post-Bankruptcy Credit Reporting Errors Could be Robbing You of a Fresh Start!
    You're supposed to get a fresh start after completing Bankruptcy, but these Top 6 Credit Reporting Errors could take it away from you...
  • 12 Common Credit Report Errors That May Cost You Real Money
    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.
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