Getting the Right Credit Score Isn’t Easy
Consumers Union’s “Know Your Score” campaign is working to pass legislation in Congress that gives consumers free access each year to their credit score. As part of our campaign, we’ve been collecting...
View ArticleAre You Who You Say You Are? Verifying Identity in the Federal Marketplace
Are the standards to confirm your identity to apply for health insurance through the Federal Marketplace too strict? The online Federal Marketplace, HealthCare.gov, has been directing applicants to...
View ArticleWhy The CFPB Is The Best Thing To Happen To Americans Since J.Law
Jennifer Lawrence is pretty awesome, right? For several years now she’s excelled at playing characters that excite the American imagination- they’re young, vibrant, and struggle against difficult odds...
View ArticleLax Reporting by Debt Collectors Can Trigger Credit Reporting Errors
As creditors increasingly rely on debt collectors to resolve outstanding debts, consumers should pay careful attention to the information reported about them to credit bureaus. That’s especially true...
View ArticleMississippi Sues Credit Bureau Experian over Extensive Lapses
The credit bureau Experian is under fire for its credit reporting mistakes that harm consumers’ abilities to obtain credit and employment. The state of Mississippi has sued Experian because of...
View ArticleCFPB: Fixing Consumers’ Toughest Credit Reporting Issues
When you find an incorrect item on your credit report, it’s not always easy to get it fixed. Fortunately, consumers have an advocate working hard on their side. For the past three years, the Consumer...
View ArticleVictory for Consumers! FICO Agrees to Ignore Paid Medical Debt in New Credit...
Finally, good news for consumers who have seen their credit scores plummet after an unexpected health crisis! The Fair Isaac Company (FICO) will not use any paid or settled debt in collections when...
View ArticleCFPB Targets Auto Lender for False Credit Reports
An estimated one out of every five Americans has a mistake on one of their credit reports, which have sadly become an all-too-frequent occurrence for consumers. But the Consumer Financial Protection...
View ArticleNew Offerings from Credit Karma and Experian Not as Helpful as they Appear
Many consumers make a New Year’s resolution to check their credit reports and scores. We’re all in favor of that, especially as Consumer Reports recently found that just under half of Americans have...
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Have You Received Your Free FICO Score?
Consumers are finally seeing substantial progress in the credit score market. They’ve long faced real challenges in getting the same credit score that their banks and lenders purchased when making...
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Big Win for Consumers! Top Credit Bureaus to Improve Accuracy
It’s time for consumer advocates to take a much-deserved bow: after years of pressure, the top three credit bureaus have finally agreed to take real steps to improve credit reporting accuracy. Today,...
View Article“Big 3” Credit Bureaus Settle With 31 States Over Credit Reporting Mistakes
The top credit reporting agencies are going to have to pay up for their credit reporting mistakes! On Wednesday, 31 state attorneys general announced a settlement with Experian, Equifax, and TransUnion...
View ArticleCFPB Is Helping Consumers Check Their Specialty Credit Reports
Most consumers know that they can check their credit reports with the “big three” credit bureaus, Experian, Equifax, and TransUnion, once a year, for free, at annualcreditreport.com. But, there are...
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