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Amy Wells
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Founder of Wells Law - Chicago
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Join date: Aug 13, 2025
Posts (6)
Mar 25, 2026 ∙ 2 min
How Many Repair Attempts Qualify Under Illinois Lemon Law?
Wondering how many repair attempts are needed for Illinois Lemon Law? Learn what qualifies and when you may have a claim.
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Mar 10, 2026 ∙ 3 min
Why Your Credit Report Shows “CO” Every Month After a Charge-Off (And Why That Usually Isn’t an Error)
Seeing “CO” every month on your credit report can be confusing. Learn why charge-off status appears repeatedly in payment history and when this type of reporting may—or may not—be inaccurate.
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Mar 7, 2026 ∙ 5 min
“They Won’t Prove the Debt” – Do I Have an FCRA Claim?
Many consumers believe a creditor must “prove the debt” before reporting it on a credit report. But under the Fair Credit Reporting Act (FCRA), the key legal issue is not whether the creditor has provided documentation—it is whether the information being reported is inaccurate. Understanding this distinction can help consumers determine when a legitimate credit reporting claim may exist.
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