Credit Reports

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

What is a mortgage servicer? A mortgage servicer is a company that manages your mortgage.  The mortgage servicer can be the mortgage holder—the bank or investor that actually loaned you the money for your mortgage, or one of the federalREAD MORE

Owning a home is a pivotal moment in many people’s lives, and a key step towards financial independence. Research by Zillow showed that 74% of homeowners with a fixed-rate mortgage experience stable monthly housing costs, while a study by theREAD MORE