Student loans can significantly impact your credit report for years—sometimes indefinitely. Understanding federal and private student loan reporting rules, including critical FCRA protections and recent Supreme Court rulings, is essential for protecting your financial future and credit score.

It's Day 20 of the 2025 government shutdown, and we've crossed a terrifying threshold. In just 11 days, 42 million Americans will lose SNAP food assistance. Military families face missed paychecks on November 1st. States are already announcing they cannot feed their most vulnerable citizens. This is no longer just about federal workers—this is a humanitarian crisis. Here's everything you need to know about the SNAP benefits crisis, military pay situation, and how to protect y

Day 13: Over 4,000 federal workers fired, military gets emergency pay, Smithsonian closes. What you need to know about credit protection & financial survival.

Discover the profound changes brought by the $78 billion 2024 Tax Credit Expansion Bill, reshaping the child tax credit and fostering US man

Uncover credit reporting challenges and solutions. Navigate the reform path. #FCRA #CreditReportErrors

By Joeziel Joey Vazquez, CEO of Credlocity The Supreme Court has delivered a major blow to millions of Americans who were hoping for some...

The LGBTQIA community has long faced discrimination and injustice in many aspects of life, including housing and credit. Despite the...

The relationship between America's credit bureaus and Congress has never been more contentious. As we move through 2025, Equifax, Experian, and TransUnion face unprecedented scrutiny over systemic accuracy failures, inadequate data security practices, and a dispute resolution system that consumer advocates describe as fundamentally broken.

The credit reporting system in America is fundamentally broken, affecting millions of consumers every day. Since the Fair Credit Reporting Act was passed in 1970, it has failed to keep pace with the digital age, leaving consumers vulnerable to errors, identity theft, and predatory practices that destroy credit scores and derail financial futures.