Consumer Rights

The Electronic Fund Transfer Act (EFTA) of 1979, also known as Regulation E, is a United States federal law that was enacted to protect consumers engaging in electronic fund transfers (EFTs). This law covers various types of transfers including ATMREAD MORE

Is your credit score lower than it should be? The wrong information on your credit report might be the culprit. When this happens, you have the right to file a credit report dispute. However, almost 50% of all disputes areREAD MORE

In today’s competitive housing market, applying for a new apartment or house can be a rigorous process full of paperwork, background checks, and financial scrutiny. However, for some, the application process can be a nightmare. Imagine this: you’ve finally foundREAD MORE

As a major player in the financial world, the credit reporting agency Equifax has grappled with data security breaches, privacy issues, and consumer rights violations. In 2017, the company suffered a massive data breach which compromised approximately 147 million people’sREAD MORE

It may surprise you to know that one in four American consumers have found mistakes in their credit files. And not simple mistakes either – sometimes, someone else’s credit information can show up in your report. When this happens yourREAD MORE

According to the FBI, elder fraud cost a staggering $1.7 billion in 2021. Scammers often target older adults – those age 60 and older – because they believe they have substantial savings and are not tech-savvy. However, it’s not justREAD MORE

Loan modification scams involve deceptive tactics where companies or people falsely claim they can help homeowners change their mortgage terms to lower monthly payments or avoid foreclosure.  Often these scammers promise to negotiate with the person’s mortgage lender to lowerREAD MORE

You might not believe it, but the difference between a good and bad credit score can cost you a lot. In fact, according to a recent study from the financial tech company “Self.”, bad credit will cost the average AmericanREAD MORE

Trading in a used vehicle to a dealership is not always as trouble-free as one would hope. For one thing, when you decide to exchange your car to purchase a new one, you will have a rough time getting fairREAD MORE

Collection agencies are companies that buy consumer debt and work to recover unpaid balances. There are lenders that have their own in-house department dedicated to debt collection, while others employ third parties to handle collections on their behalf.  While collectionREAD MORE