Posts tagged as:

credit reports

How to Get a Free Credit Report (That is Actually Free)

December 2, 2009

To get a free credit report, visit annualcreditreport.com. Stay away from the misleading “free”creditreport.com, which is not free, but somehow still doing business despite its incredibly misleading name.

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Deal with your debt; do not ignore it

May 5, 2009

Nobody likes to talk about their debt. Not me, not you, not anybody. But your debts do not like to be ignored. As I wrote in my column for Consumerist yesterday  , if you let your debts go into default and do nothing, it could end up hurting.
Credit card companies in particular want you to [...]

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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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Mortgage firm Countrywide, in response to alleged data breach, offers free credit monitoring

September 10, 2008

“As many as 2 million loan applicants may have had their personal information stolen, the FBI says.” Mortgage firm Countrywide, in response to alleged data breach, offers free credit monitoring | LA Times

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What To Do If You Find An Error On Your Credit Card Statement

September 2, 2008

What To Do If You Find An Error On Your Credit Card Statement | New York Consumer Litigation

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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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After a multimillion-dollar verdict, attorneys get fee award, too

April 24, 2008

To add (just) insult to (just) injury, a Florida judge awarded $518,301 to Angela Williams’s attorneys (PDF link). Ms. Williams recently won almost $3 million in a lawsuit against Equifax for Equifax’s refusal to fix her credit report after her identity was stolen.
While it may not be obvious when a consumer receives such a high [...]

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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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CenterPoint Energy will begin reporting delinquent utility customers in January

October 29, 2007

In an effort to give utility customers an incentive to pay their bills on time, CenterPoint Energy will begin reporting data on its delinquent customers beginning in January. CenterPoint says this will benefit timely payers. This is true. It will obviously hurt the credit rating of those who fall behind on their utility payments.
Excel Energy [...]

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