New York Consumer Law Blog

Friday, January 25, 2019

Data Breach Exposes Millions of Loan Documents Online

More than 24 million financial and banking documents related to mortgages and other consumer loans were leaked online due to a server security lapse.

https://nationalmortgageprofessional.com/news/69821/data-breach-exposes-millions-loan-documents-online


Read more . . .


Thursday, January 24, 2019

Why Big Tech Wants Access to Your Medical Records


Big data expands far beyond credit, housing, and employment reporting.  
 

https://on.wsj.
Read more . . .


Monday, January 7, 2019

USAA to Pay $12 Million in Restitution to Customers, $3.5 Million Fine


Settlement with Consumer Financial Protection Bureau cites failures with preauthorized electronic fund transfers, reopening closed accounts

https://www.
Read more . . .


Monday, December 31, 2018

Wells Fargo to Pay States About $575 Million to Settle Customer Harm Claims


Latest settlement covers retail sales practices and auto-loan, mortgage charges

 

Read more . . .


Friday, December 21, 2018

Stop The Onslaught Of Credit Card Offers


As part of the Fair Credit Reporting Act (FCRA), the credit reporting agencies are allowed to supply lists of consumers to potential creditors. Creditors can filter these lists to target their preferred audience for pre-approval offers. The FRCA allows you to opt-out of those lists, choking off the main source of credit card offers.

To opt-out, go to 


Read more . . .


Wednesday, December 12, 2018

What you need to know about the Google+ data breach


Google says over 54 million Google+ members had some of their data stolen in November.

Read more . . .


Tuesday, December 11, 2018

How the Cashless Economy Shuts Out the Poor


Lack of credit and the growing exclusions from society.  
 

Read more . . .


Monday, December 10, 2018

Thieves Can Now Nab Your Data in a Few Minutes for a Few Bucks


As investigators work to assess who hacked Marriott International Inc. and the extent of the damage, one place they are hunting is the shadowy digital bazaars where thieves and spies trade stolen personal data.

https://www.


Read more . . .


Thursday, December 6, 2018

Will a lender getting a copy of my credit report affect my score?


Answer:

A single credit inquiry from a lender will have little impact on your credit score.

Credit scoring models also take into account when a consumer is shopping for the best rate on a student loan, auto loan, or mortgage and do not penalize them for this comparison shopping.

For these types of loans, scoring models generally count multiple inquiries as one inquiry if they occur within a reasonably short period of time.

In general, credit inquiries for the same type of loan made within a 14-day period will be treated as no more than a single inquiry.
Read more . . .


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