TransUnion’s $8.3M Bankruptcy Remark Settlement — Claim by Oct. 30
TransUnion’s $8.31 million bankruptcy settlement closes October 30. Here’s why the word can outlive the filing, and what to check on your own report now.
credit bureau
A Credit Report Error Is Blocking My Mortgage Approval. Here’s What to Do Right Now.
A wrong item on your credit report can stall or kill your mortgage approval. Here’s how to dispute it fast and what a rapid rescore really does.
My Credit Dispute Was Rejected and They Won’t Say Why. Here’s What to Do Right Now.
A rejected credit dispute means one of two very different things under federal law, and only one requires an explanation. Here is what to do next.
They Said a Free Credit Report Every Week Is a Legal Right. It’s a Bonus the Bureaus Could Take Back.
Federal law guarantees one free credit report per bureau every 12 months — the weekly free access you rely on is voluntary, not a statute.
TransUnion Just Confirmed What I Saw Inside Credit Counseling: Debt Settlement Can Hurt Your Score Worse Than Bankruptcy
TransUnion found settlement enrollees who were still current when they enrolled fell 96 points, 645 to 549, measured six months before to six months after. Here’s what it leaves out.
They Said I Have to Pay the Credit Repair Company First
Told to pay a credit repair company before it helps you? Federal law bans advance fees — and you can dispute credit report errors yourself for free.
They Said to Dispute Everything as Identity Theft. That TikTok Trick Is a Federal Crime.
Viral TikTok “credit sweeps” tell you to dispute every debt as identity theft. The FTC warned in January 2026: that’s a federal crime, not a loophole. Here’s the truth.
They Said Buy Now, Pay Later Isn’t Real Debt. It’s On Your Credit File Now — Just Not Scored Yet.
BNPL is now on your credit file — Affirm reports to Experian and TransUnion. But it’s not yet scored by lenders. Here’s what that means for you and when it changes.
They Said a “609 Letter” Erases Any Debt. Section 609 Doesn’t Even Do That.
A 609 letter can’t erase an accurate debt. FCRA Section 609 is a disclosure right, not a delete button. Here’s the truth and what actually fixes your credit.
Someone Opened Accounts in My Name and Now Collectors Are Calling. Here’s What to Do Right Now.
Collectors are calling about accounts you never opened. Federal law can force them off your credit report in 4 days — here’s the tool almost nobody uses.
