The CFPB has finalized a groundbreaking rule eliminating medical debt from credit reports, affecting 15 million Americans and potentially ra

The CFPB has secured a historic $2.7 billion settlement in the Lexington Law lawsuit, exposing widespread credit repair fraud. Learn about r

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

Chase Bank has faced mounting allegations of refusing to stand by its customers when they fall victim to fraudulent activities. This blog di

Understanding consumer rights and responsibilities in credit repair is crucial for financial well-being. Unethical credit repair practices c

The Consumer Financial Protection Bureau (CFPB) has introduced new regulations in 2024 to address various aspects of consumer financial prot

Gain a comprehensive understanding of CCS Collection Company and your rights as a consumer. Learn about the legal protections provided by th

The Consumer Financial Protection Bureau (CFPB) made a bold move by shutting down Commonwealth Financial Systems, a well-known debt collecti

The largest credit union in the United States, Navy Federal Credit Union, has recently come under intense scrutiny for alleged racial discri

The phone call came on a Tuesday morning, and it would bring down an empire. Maria Santos was scrolling through rental listings when she saw it: a beautiful three-bedroom house, rent-to-own, "bad credit okay." She dialed the number immediately. What happened next trapped Maria in an $1,100 nightmare—and she was just one of over 700,000 victims caught in what federal investigators now call the largest credit repair fraud in American history. After 17 years as a Board Certif

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 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.