Credit Experts of North Texas, LLC

Credit Experts of North Texas, LLC Helping people with the misreporting and unjust treatment against them by Credit Reporting Agencies and Data Furnishers. More often than we know. I understand.

Credit Expert Reports
Deposition Testimony
Trial Testimony
Consulting
Training Credit Reporting Agencies and Data Furnishers shouldn’t report wrong information, but they do. Have you ever felt that the Credit Reporting Agencies or Data Furnishers were stonewalling you when you’re just trying to get the truth about why certain data is listed on your client’s credit report? Or they won’t assist yo

u or your client? Or your client’s disputes or complaints seem to fall on deaf ears? Does it feel like you’ve hit a brick wall and you don’t know where to turn? I am here to help.

- Credit Expert Reports
- Deposition Testimony
- Trial Testimony
- Consulting
- Training

I’m Doug, and I’m here to help you navigate through the credit reporting maze of acronyms, credit jargon, and understanding the credit documents. I can help you understand their language, their operations, and their thinking to better help you and your client get the results you both want. I’m an Expert Witness and Consultant for Federal and State court cases involving the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transactions Act (FACT Act) about issues such as credit reporting, credit scoring, Identity theft, and Mixed files, to name a few. Well-versed in the e-OSCAR process, to include Automated Credit Dispute Verification (ACDV), Automated Universal Data form (AUD), Carbon Copies, and Metro 2.

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In addition to Expert reports, I ‘m available for Deposition and Trial testimony,

non-Testifying Consultation, and FCRA / Credit Reporting training.

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Contact me and let’s start a conversation on how to best help you and your client. The results will be that you help your client with the inaccurate reporting and more, plus you hold the Credit Reporting Agencies and Data Furnishers accountable for their actions or inactions. It is a Win, Win for you and your client. Your credibility is enhanced and your client’s credit report errors are corrected. Working together, you can be assured that you will have a better understanding about the credit reporting agencies’ processes and business operations, so you will have the confidence that you are better prepared to help more clients.

The Consumer Financial Protection Bureau published the following. For those involved with Lexington Law or creditrepair...
12/05/2024

The Consumer Financial Protection Bureau published the following. For those involved with Lexington Law or creditrepair.com.

https://www.consumerfinance.gov/about-us/newsroom/cfpb-announces-return-of-1-8-billion-in-illegal-junk-fees-to-4-3-million-americans-harmed-in-massive-credit-repair-scheme/?utm_source=newsletter&utm_medium=email&utm_campaign=lexlaw2024-12-05&utm_term=generalupdates

The CFPB is distributing $1.8 billion to 4.3 million consumers charged illegal junk fees by credit repair companies including Lexington Law and CreditRepair.com.

CFPB seeks public input
01/24/2023

CFPB seeks public input

The CFPB issued a request for information today seeking public feedback on how the consumer credit market is functioning as part of a biennial review of the industry.

For those in the Reserves or National Guard,
12/07/2022

For those in the Reserves or National Guard,

Today, the Consumer Financial Protection Bureau (CFPB) released research revealing that Reserve and National Guard members called to active duty are paying an extra $9 million in interest every year because they are not always receiving the benefit of their right to rate reductions under the Service...

Regions Bank customers take notice
10/01/2022

Regions Bank customers take notice

Repeat offender will refund at least $141 million to customers and pay $50 million penalty.

Credit monitoring may not be the best way to protect your credit. "Credit monitoring bundles can be expensive and ineffe...
09/12/2022

Credit monitoring may not be the best way to protect your credit.

"Credit monitoring bundles can be expensive and ineffective, and they do not prevent identity theft. Even worse, they may prevent consumers from filing a lawsuit for errors in their credit reports.
Credit monitoring services usually bundle several products into a
subscription service, including identity theft alerts, identity theft
insurance and recovery assistance, and unlimited access for a
consumer to their credit scores. This may sound helpful, but it’s unclear if any of these products actually benefit consumer to any large degree. More importantly, consumers can receive similar benefits — and better protection — for free.
Credit monitoring bundles also have a hidden cost. Buried in the fine print of their agreements are forced arbitration clauses. These clauses prevent consumers from going to court to enforce their rights and force them into a private adjudication where the deck is stacked in favor of corporations."

The National Consumer Law Center has published a great article this month regarding credit monitoring.

The National Consumer Law Center is an American nonprofit organization headquartered in Boston, Massachusetts, specializing in consumer issues on behalf of low-income people.

Credit Karma users..... $3 million to be paid
09/08/2022

Credit Karma users..... $3 million to be paid

The Federal Trade Commission has taken action against credit services company Credit Kar

FTC orders Credit Karma to halt deceptive “pre-approved” credit offers
09/01/2022

FTC orders Credit Karma to halt deceptive “pre-approved” credit offers

The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.

For those persons in Virginia and Maryland
08/30/2022

For those persons in Virginia and Maryland

Identity theft is on the rise, with Maryland and Virginia residents being heavily targeted by scammers, according to the CEO of an identity validation company.

US Bank fined by CFPB
07/28/2022

US Bank fined by CFPB

Today, the Consumer Financial Protection Bureau (CFPB) took action against U.S. Bank for illegally accessing its customers’ credit reports and opening checking and savings accounts, credit cards, and lines of credit without customers’ permission. U.S. Bank pressured and incentivized its employee...

Hyundai reported inaccurate information on 2.2 million consumer credit files
07/26/2022

Hyundai reported inaccurate information on 2.2 million consumer credit files

Today, the Consumer Financial Protection Bureau (CFPB) penalized Hyundai Capital America (Hyundai) for repeatedly providing inaccurate information to nationwide consumer reporting companies and failing to take proper measures to address inaccurate information once it was identified between 2016 and....

Aid for Trafficking Survivors
06/28/2022

Aid for Trafficking Survivors

Today, the Consumer Financial Protection Bureau (CFPB) issued a final rule to help survivors avoid some of the financial consequences of human trafficking. The CFPB has established, among other things, a method for survivors of trafficking to submit documentation to credit reporting companies that i...

For those who have dealt with credit card late fees.Billion of dollars per year.
06/23/2022

For those who have dealt with credit card late fees.

Billion of dollars per year.

The Consumer Financial Protection Bureau (CFPB) is taking the first step toward addressing credit card company penalty policies costing consumers $12 billion each year, starting by looking at excessive late fees. In an Advance Notice of Proposed Rulemaking published today, the CFPB asks for informat...

Address

Dallas, TX

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+14695444792

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