Credit Reports

Has credit bureau failure ruined your credit score? According to the FTC, as many as 10 million Americans are impacted by serious credit reporting errors each year. Often this is due to account reinsertion, or when a creditor adds previouslyREAD MORE

Have you discovered a credit card or a fake account you never opened? What begins as identity fraud can quickly turn into denied loans, collection calls, and serious damage to your credit profile. When lenders and credit agencies fail toREAD MORE

Discovering false debt on your credit report is alarming. Watching it disappear, only to return weeks later, is worse. This is known as reinsertion, and it’s one of the most frustrating problems consumers face after identity theft. Too often, consumersREAD MORE

Millions of people fall victim to identity theft every year. Each case is different, but the goal is the same: to steal your personal information for fraud, financial gain, or other crime. Identity theft can unravel your financial life fasterREAD MORE

Thinking about applying for a new credit card, loan, or mortgage? If you’re not careful, a disputed rental collection can derail your credit, trigger aggressive collection activity, and cause long-term financial harm.  This happened to one California renter who discoveredREAD MORE

If your identity was stolen or you’re noticing issues with your credit report — like mistakes, errors, or accounts that don’t belong to you — it can feel like the system is working against you. Worse, these inaccuracies can leadREAD MORE

When you open an account with a bank, you expect your information to be handled with care. But that trust can be broken when a bank reports inaccurate information to credit bureaus. Even a single reporting error can result inREAD MORE

While it’s common for your credit score to fluctuate over time, if your score suddenly drops, it can be confusing — even alarming. When that happens, remember that your credit score doesn’t just change for no reason.  Some of theREAD MORE

If you’ve discovered wrong information on your credit report, your first instinct might be to dispute it online for a quick fix. But there are several reasons you shouldn’t dispute your credit report online — and they all come downREAD MORE

Force-placed mortgage insurance when the homeowner already has insurance, resulting in false credit reporting and violations of the Real Estate Settlement Practices Act.  Defendants are Newrez LLC, a mortgage servicer, plus the credit bureaus. Plaintiff alleges that Newrez wrongfully imposedREAD MORE