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The 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…
Read MoreFor Americans, dealing with debt is an all too familiar dilemma. Whether it’s student loans, personal loans, or credit cards, debt comes in many forms. With the majority of all three living American generations buried under mountains of debt, having a solution to deal with this issue is essential. Among the hardest forms of debt…
Read MoreRobocalls are a familiar story for consumers with debt. Even without debt, robocalls can be pervasive and frustrating. Incessant calls, instant hang-ups, and a number of other issues are presented whenever these kinds of calls occur. It’s no surprise that a recent index has shown Ft. Lauderdale and Miami, two of South Florida’s largest cities,…
Read MoreWhether it’s student loans, credit cards, or that payday loan you still owe money on, debt collectors don’t discriminate. If you’re overdue on a payment, debt collectors will call endlessly on behalf of their clients to money owed. Despite their exuberance, debt collectors cannot call without being checked by legislation like the Fair Debt Collection…
Read MoreOne of the most nerve-wracking aspects of a credit report is the moment between clicking “review” and waiting for when the report is generated. Whether you have good or bad credit, a credit report can always overwhelming, especially when it comes to figuring out what actually matters on the document. It’s essential that before you…
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