Whenever you apply for a loan, the lender will probably take a look at your credit report and credit score. The vast majority of adults have a report and score. Good credit scores make it easier to qualify for loans, get better rates or even...
As a comprehensive account of your borrowing history, your credit report is a very important record. It details your loans, credit cards, how you’ve made payments in the past and so on. Lenders will look at this information to determine your creditworthiness when applying for...
.post_text ul { margin: 0 0 22px 0; } .post_text ul li { display:list-tem; list-style-type:disc; margin:0 0 0.5em 2em; } Mistakes happen. It’s a part of life. However, when those mistakes turn up as errors on your credit report, they have the potential to cause serious harm. From higher interest rates to trouble...
Identity theft has become one of the most widespread crimes in America. As a matter of fact, stealing an identity is easier these days, since less personal information is needed to run these scams. When personal information such as date of birth, credit card details,...
Your credit report paints a broad picture of your credit history. Lenders, landlords and even employers may rely on the information contained in credit reports when making decisions. Unfortunately, these reports can sometimes contain inaccuracies. The good news is that you have rights under the Fair...
Identity theft is not a new problem in the United States but, unfortunately, it is a growing problem. FACTA is one tool designed to help safeguard consumers’ information from being vulnerable to identity theft. So, what is FACTA? This blog post will answer that question, explain some of...
As individual consumers of products and services, people are at a relative disadvantage when dealing with the companies providing those products and services. Both the federal government and individual states have enacted consumer protection laws designed to address these imbalances. So, what is consumer protection law all...
Consumer protection laws exist at the federal and state levels as a means of establishing boundaries for businesses which might otherwise use unscrupulous methods and tactics. Unfortunately, as is the case with most laws, violations of consumer protection laws occur all too frequently. So, what is...
The federal government and individual states have a framework of laws in place designed to protect individual consumers. These laws cover a range of subjects, including debt collection practices, credit reporting errors, identity theft, telephone and text communications, and more. Unfortunately, companies sometimes violate these...
If, like many Americans, you find yourself on the receiving end of what feels like an endless barrage of telemarketing and “robocalls,” the Telephone Consumer Protection Act may hold the key to returning peace and quiet to your home. What is the Telephone Consumer Protection...