Equifax’s $30 Million Hard Inquiry Settlement: Who Actually Qualifies, and What Everyone Else Can Do
Equifax hard inquiry settlement: $30M fund, claim by Nov. 29, 2026. Only people on Equifax’s class list can file. Here’s how to know if that’s you.
Credit Report Dispute
I Missed My 30 Days to Dispute a Debt. Can I Still Fight It? Here’s What to Do Right Now.
Missed the 30-day window to dispute a debt collector? Here’s what you lose after day 30, what you still keep, and the steps to take this week.
An Old Utility Bill Is Blocking Me From Getting Power Turned On at My New Address. Here’s What to Do Right Now.
An old utility bill can block new service, but your state limits what a utility can demand. Here’s how to get the lights on without overpaying.
The CFPB Just Stopped Publishing Consumer Complaint Stories — Here’s How to Still Vet a Debt Company
The CFPB stopped publishing complaint narratives Aug. 14 — here’s what’s still in the database and how I’d still vet a debt collector or settlement company.
Equifax Agreed to Pay $2.2 Million Over Duplicate Debt Reporting — Here’s Who Can Actually Claim It
Equifax will pay $2.2 million over duplicate credit reporting. Only about 37,000 mailed-notice holders can claim – here is what everyone else should do.
A Creditor Won’t Stop Collecting After My Bankruptcy Discharge. Here’s What to Do Right Now.
A creditor still billing or calling after your bankruptcy discharge? Learn your rights under 11 U.S.C. 524, how to reopen your case for free, and stop it.
What to Do If a Loan Was Taken Out in Your Name Without Your Permission
If a loan was taken out in your name without your permission, FCRA § 605B gives you the legal right to block it from your credit report. Here is the step-by-step process — including what to do when the person who did this is someone you know.
Why Your TransUnion or Experian Dispute Isn’t Working — And What to Do
A ProPublica investigation found Experian’s consumer relief rate collapsed from ~20% to under 1% in 2025. TransUnion dropped ~50%. Here’s why — and what to do when your dispute goes nowhere.
Transworld Systems (TSI) Sued for Alleged Debt Parking — Here’s What the Federal Lawsuit Says
A federal lawsuit accuses Transworld Systems (TSI) of placing a $3,318 debt on all three credit bureaus with no prior notice — alleged debt parking. With 18,700 CFPB complaints and a $2.5M prior penalty, here’s what the lawsuit reveals and what to do if TSI appears on your credit report.
1099-C Joint Returns: Your Questions Answered
Steve Rhode answers two reader questions: how to handle receiving two 1099-C debt cancellation forms for the same joint debt when filing a joint tax return,…
