After 17 years in credit repair and serving over 79,000 clients, I've learned that most Americans don't understand the immense power credit bureaus hold over their financial lives. Experian, Equifax, and TransUnion collect, analyze, and distribute your financial information to lenders, employers, landlords, and insurers, yet one in five consumers has errors on their reports that could damage their credit scores.

Written by:  Joeziel Vazquez CEO & Board Certified Credit Consultant (BCCC, CCSC, CCRS) 17 Years Experience Published:  Nov 5th, 2025 Reading Time:   Approx. 18-22 minutes It begins with a sinking feeling. You’re reviewing your credit report, a ritual of modern financial life, and there it is: LVNV Funding LLC. The name is sterile, corporate, and utterly confusing. It’s not a credit card you remember. It’s not a store account you opened. It’s a ghost from your financial past

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.

Discover how to remove collection accounts from your credit report using consumer protection laws like FCRA and FDCPA.

The article explores the implications of the Supreme Courts ruling on government liability under the Fair Credit Reporting Act (FCRA),...

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

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.