It is your right as a US citizen to view your credit report yearly. The 2003 Fair and Accurate Credit Transactions Act put into law that all Americans are entitled to a free review of their credit annually. This allows you assure that all information is accurate and nothing fraudulent is going on with your
Imagine this scenario- you have been convicted of a crime, one in which you later have expunged. You now feel relief that any criminal searches on government databases will show up clean. You no longer have to feel the stress or worry that comes along with a criminal record. A year later, you are applying
Equifax, Experian and TransUnion will change the way they handle errors and list unpaid medical bills as part of the broadest industry overhaul in more than a decade Read the entire article from the Wall Street Journal here: http://www.wsj.com/articles/credit-reporting-giants-agree-to-overhaul-1425873884?mod=djemalertNEWS
When was the last time you checked your credit report? Are you sure its not one of the 46% that contain errors? While some lenders aren’t able to check credit reports, most will perform a proper check when you apply for credit. You might end up getting refused and wonder why it happened. Your credit
Shopping online is now common place. In fact, according to a recent PRNewsWire article, 89% of consumers prefer to shop online for both the convenience and the price savings. Even though shopping online is reaching the norm, there are still plenty of risks when providing your financial information via the Internet. When shopping online, it
Jim Francis discussed the following topics and more on his radio interview on KUCI 88.9 FM Irvine Consumer Privacy, Errors on Credit Reports, Regulating Consumer Data and much more! Don’t miss this fascinating interview with Jim Francis Listen right here:
Law360, New York (October 03, 2014, 2:01 PM ET) — When he returned to campus for his senior year of college, Jim Francis discovered that mail forwarding had failed, leaving him with a bill that was long overdue… read the entire article here.
Right now, any medical debt will be calculated into your credit score similar to that of other debts owed. A recent report made by the National Consumer Law Center is saying that medical debts should not be included in your credit history at all. Their argument is that medical debts are not a good indicator
There are many new changes that will take place in the new Fair Credit Reporting Improvement Act of 2014. Here are some of the changes that we find to be most dramatic and important to take note of: All bankruptcies would have to be removed after seven years instead of after 10 years. All collections
Strange things happen. We have all experienced almost comical incidences that have been mind boggling. But have you been accused of being deceased? It doesn’t happen too often, but there have been cases where a consumer’s credit report indicates that they are legally dead. This can be extremely frustrating, especially if you are in a
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