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Your Credit Report; Is It Error Free?

Your Credit Report; Is It Error Free?

So, you’ve taken the first step by requesting your free credit reports. What should you look for when it arrives?
Checking your report to ensure it is error free is an important step to getting and keeping a great credit score.

Equifax Data Breach Settlement

Equifax Data Breach Settlement

Good news regarding the Equifax data breach from 2017 (I'm actually surprised I just typed that sentence). Equifax has agreed to a $700 million settlement, and it's actually...

Yes, junk debt buyers are still debt collectors

Yes, junk debt buyers are still debt collectors

A couple years ago, the Supreme Court took up the issue of whether a bank who had purchased a portfolio of debts was a "debt collector" for purposes of Fair Debt Collection...

Maine Passes Student Loan Bill of Rights

Maine Passes Student Loan Bill of Rights

Maine is the most recent state to pass a student loan bill of rights. It requires licensing of companies who service student loans in the state, unless that company is already a...

Who has to comply with the FDCPA?

Who has to comply with the FDCPA?

Who is and is not covered by the Fair Debt Collection Practices Act ("FDPCA") confuses consumers and attorneys alike. Looking at the text of the statute, this is understandable....

CFPB’s Proposed Debt Collection Rules Are Bad

CFPB’s Proposed Debt Collection Rules Are Bad

The Consumer Financial Protection Bureau ("CFPB") has released proposed rules governing debt collection practice. Theoretically, this is an agency that should be looking out for...