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Can a potential employer access my credit score?
Employers cannot access credit scores; however, they can and do access credit reports. A poll last year by the Society of Human Resources Management found that 47 percent of all employers check credit reports for at least some job applicants. Typically, those reports accessed concerned job applicants who the employer anticipated handling financial duties. The group also found 13 percent of employers
What laws govern the return of my security deposit from my landlord?
The Washington Landlord-Tenant Act Deposit laws (RCW 59.18.260-285) were enacted to ensure the proper handling of your damage and/or security deposit. Before a landlord can collect a security deposit, a move-in inspection must occur and an inspection checklist must be completed and signed by the landlord and the tenant. If such an inspection is not conducted or a checklist not completed
Is there a student loan bubble in the United States?
Nearly all Americans have felt the impact of the housing bubble. In its wake, many are becoming increasingly concerned that there is a student loan bubble about to burst. College enrollment has surged approximately 33 percent over the last ten years. With rising demand, college tuition and fees have more than doubled in that same time frame. The volume of outstanding student loans is rising rapidly and now exceeds credit card debt.
While credit card debt is declining, student loan debt keeps heading north. Indeed, there is just cause for concern. Student loan debt can be nearly impossible to escape. Although one might be able to walk
Can a collection agency block its telephone number?
A new Washington law that prohibits debt collectors from engaging in certain conduct. The law, which became effective on July 22, 2011, amends the Washington Collection Act ("WACAA"), in several areas. One notable change to the WACAA is the addition of RCW 19.16.250(19). That provision prohibits collection agencies from "intentionally blocking its telephone number from displaying
On so-called account stated causes of action in Washington, such as credit card default cases, must the creditor prove acknowledgement?
Washington law provides that when creditors sue under the theory of "account stated", they must show that the alleged cardholder personally acknowledged the account sued upon, such as a cancelled check or online payment.
November 22, 2011
November 09, 2011
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November 01, 2011
The Fair Debt Collection Practices Act
The FTC addresses the Fair Debt Collection Practices Act:
The Fair Credit Reporting Act
FTC addresses the Fair Credit Reporting Act:
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