How to protect and check you CHILD’S credit report. Identity theft of children is something that has been a BIG issue now days and is also very hard to detect. Because when you do detect it child might be already 18 and since it’s been going on for such a long period of time, its […]

Free Annual Credit Report Information As a consumer in the United States, the Federal Government decided back in 2003 that you are entitled to receive a free annual credit report so you can monitor your credit and your credit rating. The FACT Act was passed unanimously so that all Americans could get a free annual […]

Regulators fine TransUnion and Equifax for deceit over credit scores  Wednesday, 4 Jan Consumers may be one step closer to a higher credit score. A recent report by the Consumer Financial Protection Bureau outlined a number of problems it found with the big three consumer reporting companies along with suggested reforms that could help consumers improve […]

Credit is a serious issue for everyone because it affects nearly every part of our lives. Your credit score affects credit card and loan approvals, car and home insurance, interest rates, the amount of rental and utility deposits, and it could even affect your job hunt. Unless you have loads of cash, you need a […]

When a debt collector calls, don’t let them push you around. A third of consumers have been contacted by a creditor or debt collector in the past 12 months, according to a survey released Thursday from the Consumer Financial Protection Bureau. Of those consumers who had contact with a debt collector, 27 percent reported feeling […]

The nation’s largest student loan servicer was hit with a Consumer Financial Protection Bureau lawsuit Wednesday over allegations that it has “systematically and illegally” failed borrowers. Navient, formerly part of Sallie Mae, created repayment obstacles for tens of thousands of student borrowers by providing incorrect payment information, processing payments incorrectly and failing to act when borrowers complained, according to the federal […]

statute of limitation is the amount of time a person can take legal action on a certain event. When it comes to debt, the statute of limitation is the amount of time a creditor can ask the court to force you to pay for a debt. The court system doesn’t keep track of the statute […]

Paying for your credit score may not be worth it, especially since you often can get it for free. The question about whether you should pay rose again Tuesday after the Consumer Financial Protection Bureau fined two big U.S. credit-reporting agencies, Equifax and TransUnion, in part for allegedly misleading consumers into buying credit scores of dubious […]

n a recent column about simplifying your financial life, I recommended consolidating accounts and getting rid of ones that you don’t use, especially when they have high fees. A couple of readers wrote to me with credit score questions: “If you cancel a credit card doesn’t it affect your credit score?” wondered the first. “I […]

Mr. Urbanski has filed a complaint in the US District Court for Middle District of Florida alleging that Enhanced Recovery has called him approximately 150 times on his cellphone. If Enhanced Recovery did not have Urbanski’ s permission to call him on his cellphone or even if it did and Urbanski revoked that permission, then […]