Posts tagged as:

credit reporting

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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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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Credit reporting and you.

September 26, 2008

The following is a great discussion which took place on Thursday 9/25.  For a great instruction on credit reporting and consumers listen here.  The interview begins at 59:43 of the 1:19 broadcast segment.  
If you are concerned about your credit rating and/or report this is a must listen.

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Credit repair DIY: fix errors on your credit reports

August 11, 2008

Under federal law, consumers can challenge inaccurate information on credit reports and other consumer reports (such as tenant screening reports). It is free, usually quick, and relatively painless. Plus, there are a lot of great how-to guides on the web.
I have mentioned the FTC guides before. The excellent Building a Better Credit Report manual is [...]

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CenterPoint Energy drops its credit reporting plan

February 12, 2008

Last October, I posted about CenterPoint Energy’s plan to report delinquent accounts to the credit reporting bureaus. Last Friday, CenterPoint announced a change of plan, saying it will hold off on reporting indefinitely. Consumer groups and advocates for low-income families apparently made the difference:

They said it would damage credit records — now used for everything [...]

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