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Equifax Drags Feet on Consumer’s Disputes, Ordered to Pay $18.6 Million
At My Credit Specialist, we speak to people every day who have found mistakes on their credit report and either don’t know how to correct them or have attempted correcting them with disappointing...
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Clean Credit: Is Facebook Killing My Credit Score? Separating Media Hype from...
For the past week, every single major news outlet has run the exact same frightening story. “Facebook friends lower your credit score!” “How is Facebook lowering your credit?” “Wrong Facebook Friends...
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Interest Rates: Why Is My Credit Card APR So High?
Interest rates almost across the board are at rock-bottom rates. It is easier to get approved for auto loans, home equity loans, and most other lines of credit, even with some late payments or other...
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Senator McCaskill Intervenes in Credit Dispute, Slams Equifax
What does it take to get errors removed from a credit report? In the case of Ky Pohler, it took years of fighting, the Missouri Attorney General, and a U.S. senator to get results. Ky Pohler and his...
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The Credit Access and Inclusion Act: A Common Sense Credit Solution
Congress has been famously ineffective in recent months with their approval ratings lower than ever. If there was ever a time to put aside partisan politics and work together, now is that time, and at...
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Credit Report Mistakes Military Veteran for Felon
Consumer protection laws when it comes to credit reporting are clearly written to place the burden of proof on the credit bureaus. Experian, Equifax, and TransUnion are expected to compile accurate...
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FICO Teams Up with Credit Card Issuer, Offers Free Credit Scores
For years, credit cards have offered a free credit score as a customer incentive. Usually these credit scores were Vantage Score or other non-FICO credit scores that are advertised as “educational”...
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Report: More Than 10,000 Credit Reporting Complaints Filed With CFPB
Back in October 2012, the Consumer Financial Protection Bureau (CFPB) began accepting complaints against the credit bureaus Equifax, Experian, and TransUnion. In less than a year and a half, the CFPB...
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Ready to Improve Your Credit in 2014? Count to 5
Improving a credit score can feel like a daunting task, especially after years of late payments, charge-offs, and other financial problems. To quote the famous saying, however, the journey of a...
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How Can I Ever Rebuild After Bankruptcy?
Filing bankruptcy is a financially and emotionally draining experience. When it is over, there is a negative mark on the credit report that will take years to remove, and it is nearly impossible to get...
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