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.