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  • Parroting, Credit Report Disputes, and Other Credit Report BS

    An interesting lawsuit was filed by a consumer in Alabama against Select Portfolio Servicing, Jared Galleria of Jewelers, Prestige Financial Services, Experian, Equifax, and Trans Union. What is interesting about the suit is the description of the...

    • Posted January 25, 2019
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  • Experian Pays Fine for Lying to Consumers About Credit Scores

    The Consumer Financial Protection Bureau (CFPB) today took action against Experian and its subsidiaries for deceiving consumers about the use of credit scores it sold to consumers. Experian claimed the credit scores it marketed and provided to...

    • Posted March 23, 2017
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  • The Credit Repair Death of Pay For Delete to Remove Old Bad Credit

    It’s coming. Big changes are in the works for consumers with old bad debts owned by debt buyers. Sources inside the debt buyer and debt collection industry are secretly making positive changes about reporting old accounts. These...

    • Posted November 2, 2016
    • 1
  • Whispers On Big Changes Coming for Credit Reports That You Need to Know

    Credit reporting in the United States has been a mess. It seems now for decades we have one revelation after another about how inaccurate your credit reports is. These errors can significantly impact credit scores without knowledge....

    • Posted October 11, 2016
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  • Shouldn’t I Be Able to Get All My Credit Scores? – Eugene

    Question: Dear Steve, My situation, my credit scores are in the low 600’s and am trying to get all my credit cards under the 30% threshold and at the same time reduce my total debt. My problem...

    • Posted August 29, 2016
    • 0
  • Experian Continues to Report Judgment Included in Bankruptcy

    Question: Dear Steve, I filed Bankruptcy Chapter 13 in 2011 and completed in 2014. Since that time, I have tried to clean up my credit reports. With most of the issues I have had success. There is...

    • Posted March 24, 2016
    • 0
  • Your Biggest Credit Report Complaint May Be Getting Fixed

    Recently the three major credit reporting agencies — Equifax, Experian and TransUnion — agreed to a settlement with the New York Attorney General’s office to overhaul the national credit reporting process to better serve Americans. The agreement...

    • Posted March 11, 2015
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  • If You Rent It Could Help Build Good Credit

    Experian today announced a new product to help renters convert their on-time rental payments into good credit. Up until now Experian had only really been adding rental history through its RentBureau product that is used by big...

    • Posted May 17, 2012
    • 1
  • Marriage and Money: How to Talk to Your New Spouse About Finances

    So you’re engaged. Or thinking about it. If you’re really serious about spending the rest of your life with another person, it’s time to get some of the tougher issues out in the open. Somewhere near the...

    • Posted June 2, 2010
    • 1
  • Do It Yourself Guide to Credit Reports: 10 Ways to Improve Your Credit

    So your credit’s not so hot. A few late payments, maybe an account or two that went to collections. What’s the big deal? As you’ve probably found out, it may be a very big deal. You’ve probably...

    • Posted June 2, 2010
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  • Identity Theft: How to Protect Yourself and What to Do If You Are a Victim

    Think your money and peace of mind are safe from thieves? Think again. Identity theft is one of the fastest growing types of robbery today. As many as 300,000 people are defrauded each year by crooks using...

    • Posted June 1, 2010
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  • How to Survive a Job Loss

    If you’ve ever lost a job, you know how devastating it can be. It doesn’t really matter how you lost it — a company reorganization, merger, forced retirement or simply being fired — the results are the...

    • Posted June 1, 2010
    • 4