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A collection can be a significant and lasting detriment to your credit report. Having a collection on your credit report will negatively impact your credit score and could remain on your report for up to seven years. Even if you pay a collection, it could still show up on your report and negatively affect your…
Read MoreThe Fair Credit Reporting Act (FCRA) includes a section known as permissible purpose. It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual’s credit report. This credit report investigation is generally a result of an individual’s request for a credit line increase or opening a…
Read MoreIdentity theft can happen to anyone and in many ways. Traditional methods still work, and now perpetrators have more avenues to access your private information. For example, public Wi-Fi, social media, cyberattacks, and the other wonders of the internet have introduced new threats for us to grapple with when it comes to our security. There…
Read MoreIf there are mistakes in your credit report, you have the right to dispute any inaccuracies. Once you challenge the inaccuracies, the credit reporting agency has a duty to delete the information or further investigate the matter before reporting back to you. Unfortunately, credit reporting agencies might not respond, and the inaccurate information remains on…
Read MoreThe Fair Credit Reporting Act (FCRA) is a federal law to ensure the accuracy, fairness, and privacy of the information in consumer credit bureau files. The law regulates how credit reporting agencies collect, access, use, and share the data collected in consumer reports. Understanding the Purpose of the Fair Credit Reporting Act Information on consumers…
Read MoreBy Carolina Bolado A housing advocacy group hit a Florida apartment complex with a lawsuit Tuesday claiming its blanket ban on tenants with any prior felony convictions discriminates against applicants of color and violates the Fair Housing Act. Florida Fair Housing Alliance Inc., a Miami-based advocacy group, said Winter Park, Florida, apartment complex Park Knowles…
Read MoreThe National Do Not Call Registry was created to stop unwanted sales calls and it’s free to register your home phone or cell phone. However, many of us continue to endure unwanted telephone calls and text messages from bizarre telemarketers and obnoxious debt collectors. They disrupt our serenity, waste our time and slowly kill the…
Read MoreCredit reporting agencies are legally required to gather and report consumer information with the utmost accuracy. Combined, the three largest credit reporting agencies – Experian, TransUnion, and Equifax – keep files on hundreds of millions of Americans and issue billions of credit reports each year. This voluminous amount of information makes errors inevitable. The Fair…
Read MoreWhether it’s managing debt or being able to keep your finances in order, having an organized budget is essential. One of the best ways to improve your budgeting is to eliminate expenses that are no longer necessary. By focusing on the parts of your budget that are drains on your overall solvency, you’ll be better…
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