Posts tagged as:

credit report

Debt Collection Scammers Often Worse Than the Real Thing

August 17, 2009

The Better Business Bureau (BBB) has put out an emergency alert regarding bogus debt collectors that have recently been praying on consumers. The fake debt collectors are often just as nasty as real debt collectors can be, if not worse.
If you are contacted by a debt collector and think it is a scam, here are [...]

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Congress calls out FreeCreditReport.com

May 27, 2009

FreeCreditReport.com is sort of an “honest” scam. “Hey, we’re FreeCreditReport.com! Nah, you have to pay for your free credit report. Yeah, but the name is FREECreditReport.com!!! But you totally have to pay. For your FREE FREE FREE credit report.”
Under the new credit card reform legislation, outfits like FreeCreditReport.com that offer free* services will have to [...]

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Gone in 60 seconds: 10 credit score myths

March 12, 2009

60-second video: Myths of credit | I Will Teach You to be Rich (via Lifehacker)

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New form: credit report dispute letter

December 18, 2008

In order to remove inaccurate information from your credit report, you must report that information to the credit reporting agencies (CRAs) Experian, TransUnion, Equifax, and CSC Credit Services. Once you dispute the inaccurate information, the CRAs must investigate the matter and remove any inaccurate information or edit the entry to reflect your dispute.
The credit report [...]

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Credit reports apparently generated by Flintstones technology

December 17, 2008

According to Gary Nitzkin, “[t]he credit reporting industry is operating in the stone age.” By which he means the credit reporting agencies seem incapable of dealing with credit information that comes from identity theft. Gary filed two lawsuits because even though the identity thief confessed, he could not get his clients’ credit reports fixed.
Why not? [...]

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Prisoners of Debt (redux)

November 24, 2008

A while back I promised more analysis of this article. This gist of the article is that those debts discharged by a bankruptcy court are not being honored as discharged. There are some powerful reasons for this
First, those debt collectors who we collecting on the debt prior to the discharge will continue to collect on [...]

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Yet Another Reader Scammed By FreeCreditReport.com

October 16, 2008

Yet Another Reader Scammed By FreeCreditReport.com | Consumerist

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Get credit score estimates to go with your free credit report

September 17, 2008

You have the right to get a free credit report once a year, but that does not include your credit score, the actual number that lenders use to determine your creditworthiness.
Credit Karma is one of several credit score “predictors” that have cropped up in recent months.
Kara McGuire recently compared her actual FICO score, and says [...]

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Beware Free Credit Reports

September 8, 2008

Beware Free Credit Reports | NY Consumer Litigation

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CreditKarma.com Makes Free Credit Score More Like FICO’s

September 2, 2008

CreditKarma.com Makes Free Credit Score More Like FICO’s | Consumerist

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Make Sure Your Free Credit Report Is Actually Free

August 4, 2008

Make Sure Your Free Credit Report Is Actually Free | Lifehacker

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Free monthly credit score estimates

June 30, 2008

LendingClub and Prosper.com will “grade” borrowers based on Experian data. WaMu credit cards include TransUnion-based monthly FICO scores (although it probably is not worth getting a new card just for that perk). E-Loan Mortgage offers a one-time score based on Experian data
But the best one seems to be Credit Karma, which offers a free daily [...]

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Settlement results in free credit monitoring service

June 16, 2008

Settlement results in free credit monitoring service | CNN

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Think Twice Before Paying for Credit Protection

June 12, 2008

More on LifeLock. Think Twice Before Paying for Credit Protection | Lifehacker

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Free credit scores for all consumers? Almost…

June 6, 2008

Get your TransUnion score here! Free credit scores for all consumers? Almost… [The Red Tape Chronicles]

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A look inside the credit score cocktail

April 8, 2008

The Red Tape Chronicles recently attempted to explain what goes into the secret formula that determines a borrower’s credit score, the secret formula that determines what consumers pay for loans, credit cards, and even car insurance.
Credit scores are important to every consumer’s financial well-being. For example, a consumer with a FICO score of 619 will [...]

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