When TransUnion ignores your credit dispute, you're not powerless. Under the Fair Credit Reporting Act (FCRA), you have specific rights that credit bureaus must honor—and serious consequences await them if they don't. As a Board Certified Credit Consultant with 17 years of experience, I've helped thousands of consumers navigate situations where TransUnion failed to respond, provided inadequate investigations, or simply verified inaccurate information without proper review. T

Credlocity, a company that champions honorable and lawful credit repair work, including credit restoration, has a strict adherence to the...

Introduction: Today’s article is driven by my desire as CEO of Credlocity to punch back against the credit bureaus. This punch back or...

When FICO introduced credit scoring in 1989, it was marketed as objective and race-neutral. But the algorithm doesn't need to know your race to discriminate against you. Credit scores measure financial factors that have been shaped by centuries of racial discrimination, from redlining to predatory lending. The median credit score for Black consumers is 639 compared to 730 for white consumers.

The three major credit bureaus—Equifax, Experian, and TransUnion—are systematically failing to conduct reasonable investigations when consumers dispute errors on their credit reports, in direct violation of the Fair Credit Reporting Act. Recent CFPB enforcement actions reveal that credit bureaus conduct "sham investigations," converting detailed consumer disputes into numeric codes, accepting furnisher responses without critical review, and improperly reinserting previously d

Understanding where your credit score stands before applying for a mortgage, auto loan, or credit card can save you thousands of dollars and spare you from unnecessary rejection. After 17 years of helping more than 79,000 clients navigate the complexities of credit scoring, Board Certified Credit Consultant Joeziel Vazquez explains how FICO score prediction tools work, their accuracy limitations, and when to trust predictions versus obtaining actual scores.

TransUnion has a documented history of ignoring consumer disputes about credit inquiries, sending generic "502 Letters" instead of conducting legally required investigations. The landmark Norman v. Trans Union case resulted in a $23 million settlement proving this practice violates the Fair Credit Reporting Act. Learn how to protect your rights when TransUnion refuses to investigate your disputes.