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Tag: credit report

These “Free” credit scores cost $23,100,000…. See why Equifax and Transunion...

Telling people that they were getting a credit score for free is what landed the 2 big bureaus fines and refunds over 25 million...

4 Simple Reasons to NEVER dispute online.

4 Simple Reasons to NEVER dispute online. Disputing online was created to make the credit bureaus more efficient. There is little regard to consumer...

Do Credit Scoring Models Treat Minorities Unfairly?

Credit scoring models are often criticized for almost everything imaginable under the sun. They treat medical collections too harshly.  They aren’t a valid measurement...

What Percentage of Credit Reports Contain Errors?

It’s no secret that credit reports and credit scores are important to consumers. A solid credit report and impressive credit scores lead to inexpensive...

What is a “Credit Freeze” and why should I know?

“I’m concerned with identity theft, like many others. I’ve read about credit monitoring and I’ve read about credit freezing. What is the difference and...

Do You Have Secret Consumer Scores?

What is a "Secret Consumer" Score? In case you haven’t noticed, we've moved away individual risk assessment and rely on analytics known as "scoring."  We've...

Three Common Myths About Collection Accounts

Selling A Collection Starts the Credit Reporting Clock From Zero – This is incorrect.  When a debt is sold to a debt buyer and...

What Are Reasonable Credit Report Investigative Procedures?

What Are Reasonable Credit Report Investigative Procedures? The Fair Credit Reporting Act (FCRA) requires that the credit reporting agencies maintain “reasonable procedures designed to ensure...
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