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.
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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.
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.
Student Loan Balance Doubled on Credit Report? DOE Faces Class Actions
Two federal class action lawsuits claim the U.S. Department of Education is reporting inaccurate student loan data to credit bureaus — including balances that appear doubled and delinquency flags affecting 5 million borrowers who did nothing wrong.
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.
CFPB Is Making It Harder to Complain About Financial Companies
The Consumer Financial Protection Bureau is adding new barriers to its complaint portal — including disclaimers, proposed two-factor authentication, and complaint limits — after lobbying from the credit bureau industry. Consumer advocates say the changes will hurt the people who need the system most.
Is Your Free Credit Report Actually Complete? Two New Lawsuits Say No
Two federal lawsuits allege that Experian and Equifax provide incomplete ‘summary’ credit reports through AnnualCreditReport.com instead of the complete file disclosures required by the Fair Credit Reporting Act. Here’s what they say is missing and what you can do.
Credit Repair Myths vs Reality
Steve Rhode and Damon Day break down credit repair: why Credit Karma scores aren’t your real FICO, how to properly dispute errors, the utilization ratio…
