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LSDefine

Simple English definitions for legal terms

consumer report

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A quick definition of consumer report:

A consumer report is a document that contains information about a person's background. This information is collected by companies called consumer reporting agencies and can include things like how they handle money, their work history, and even what they do online. Employers and creditors use this report to decide whether to hire or loan money to someone. The person being checked has to give permission for this report to be made, and there are rules about what information can be included. Some states have extra rules about what employers can look at, like how someone has used credit in the past.

A more thorough explanation:

A consumer report is a type of background check that is conducted by consumer reporting agencies. This report is used by employers and creditors to determine whether to hire or loan money to an individual. The report can contain a variety of information, such as:

  • Credit history
  • Past bankruptcy
  • Judicial records
  • Employment records
  • Online activity

For example, if you apply for a job, the employer may request a consumer report to see if you have a history of being responsible with money or if you have a criminal record. Similarly, if you apply for a loan, the creditor may request a consumer report to see if you have a history of paying your bills on time.

It's important to note that consumer reports can only be accessed with your approval and are highly regulated by the Fair Credit Reporting Act (FCRA). Some states may also have additional restrictions on what information can be collected by employers, such as credit history.

consumer protection laws | consumer reporting agencies (CRA)

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10:43
I got 2 weeks left of this shit and I have 0 motivation
10:55
@RasheedWallaceFan: yeah for some reason SMU isnt listed on any of the rankings lists. Been that way all year
@NemoPropheta: you only got another 40+ years of it!
@PremiumFrequentCrane Is right.
You'll forever have those days where shit ain't getting done. Just a matter of how you handle them. (IE using Chatgpt to draft a motion for leave like meeeee)
NosyBeagle
13:52
look at my lawyer dawg... im going to jail
Nah, I don't use it to do my case law. Just the actual motion drafting.
For example, I was trying to get the right language in a Motion for Sanctions (tl;dr slip and fall case, defense counsel played nothing but games – IE never sending records despite it being mandatory to trcp, producing never before seen records DURING A DEPO) and just talked to ChatGPT about his behavior to provide background to help with the drafting for the procedural paragraph.
@NosyBeagle: just makes me think of vanillamace
@TiredOfThisGrandpa: I dont have LSD+ so cant dm but will def hit you up when I have them done! Also is ur username a reference to holes? lol
Can i get accommodations for mid test 2 hour nap
I mean, i have sadhd
15:34
you could get accommodations for the schizoaffective disorder you clearly have
NosyBeagle
15:53
a two hour nap in between sections would be great for me
ronniedoeslaw
15:58
LSAT isn’t horrible you just have to lock in really hard for 2 hours and expect to be exhausted the rest of the day mentally
16:30
ugh i hit this lady w my car
16:31
well i hit her car and the cops said there's no damage but she says there is should i call my insurance what u think lawyers
real quick question. How much do early applications matter? I have super strong softs and an ok LSAT score of 160. GPA wasn't great at 3.33. I applied in late march and I have been rejected everywhere so far
16:58
late march is way too late
16:58
early doesn’t matter but before thanksgiving matters
ronniedoeslaw
16:59
Have you used the LSAC search for schools link? It helps a lot letting you know the probability of acceptance.
I mean early early might be overblown but dont apply if you are applying in march
does anyone know how many questions they typically ask for the UT recorded interview
20:21
has anyone been accepted off of the waitlist for New England yet?
ronniedoeslaw
20:36
No yet for me, I was waitlisted on Monday
ronniedoeslaw
20:36
Not *
[deleted by esoterica]
don't be a dick bro
ronniedoeslaw
14:19
Foreal
ronniedoeslaw
14:20
The name says it all lol
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