News

Thursday, August 22, 2019

There are no “quick fixes” to clean up your credit


If you’re trying to clean up your credit, you’ll come across plenty of companies offering an easy fix. But any company promising instant results for a price is likely a scam.

Read more . . .


Wednesday, August 14, 2019

How do Credit Bureaus Get Your Information?


The top three credit bureaus (also known as credit reporting agencies) are Experian, Equifax and TransUnion. When you’re applying for credit, lenders depend on the data provided by these bureaus to make their decision whether or not to lend you money. So where does this data come from in the first place?

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Tuesday, August 13, 2019

Where You Went to College May Matter on Your Loan Application


Despite the growing embrace of such measures, some consumer advocates say the trend will hurt lower-income or minority borrowers. “It entrenches and perpetuates inequality in such an obvious and stark way,” says Chi Chi Wu, an attorney for the National Consumer Law Center, who adds that the existing system already makes it harder for people with lower income and fewer assets to qualify for cheaper loans. 

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Monday, August 12, 2019

Top 10 Warning Signs of Identity Theft


 
Identity theft occurs when a criminal uses your personal information for their own benefit or to commit fraud.
Read more . . .


Thursday, August 8, 2019

How do FICO scores consider student loan shopping?


The growth of the student loan industry has increased public interest in how lenders assess the credit risk of young college-bound adults. Both large and small lenders often use FICO® credit scores to help them underwrite student loans. How the FICO credit scoring formulas treat credit inquiries depends on the way in which those inquiries are reported by lenders to each of the three credit bureaus.  

 Read more . . .


Friday, July 26, 2019

Congress should follow California's lead in protecting consumers


Many aspects of privacy protection in our country are broken and Congress is not doing its part to fix them. For example, when hackers obtained the private information of 148 million Americans in the 2017 Read more . . .


Thursday, July 25, 2019

Equifax garners the most complaints in 2017


Do you have a most hated company?  Where does Equifax rank on your list?

According to an analysis released Thursday by LendEdu, in 2017 the Consumer Financial Protection Bureau (CFPB) received 30,576 complaints about the Atlanta-based provider of credit reporting services. No other company generated more consumer gripes in 49 states and Washington, D.C. 

That lone exception was North Dakota, where Equifax rival Experian (Read more . . .


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