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According to the Federal Trade Commission: A credit report is a summary of your personal credit history. Your credit report includes your identifying information — like your address and date of birth — and information about your credit history — […]

Just because you may owe money on a debt, does not give debt collectors the right to harass you for payment. The Fair Debt Collection Practices Act (FDCPA) is a federal law enacted to protect consumers from debt collector harassment. […]

With all the hacking and problems that occur online, it is best practice to check your credit report for inaccuracies  every few months or so. The credit reporting agencies, Experian, Equifax and Trans Union are continuing to offer free weekly […]

If you are victim of identity theft, be sure to make a police report and submit an online FTC Identity Theft Affidavit. Also very important is to check your credit report at annualcreditreport.com to see if there are any fraudulent […]

Medical debt is a big burden for many Americans. In addition to the health concerns that caused the debt, unpaid bills end up on credit reports, negatively impacting consumers’ credit scores that can then prevent them from getting affordable (or […]

Puppy scams have been on the rise since interest in buying a new pet has surged while so many people have been working at home during the pandemic. Puppy scams occur when a scammer poses as a seller of a […]

Due to the financial hardships caused by the pandemic, the three nationwide consumer credit reporting agencies (Experian, Equifax and Trans Union) are extending free weekly credit reports for an additional year until April 20, 2022. Weekly free credit reports can […]

Throughout the pandemic, scammers have been filing claims for unemployment benefits using the names and personal information of people who have not filed claims. The victims find out about it when they receive notice from the state unemployment office or […]

Have you received a letter from a debt collector saying you owe money on a debt that you do not agree you owe? If so, do not ignore this letter. A letter from a debt collector will say you have […]

During this very stressful time, many consumers are unable to make their monthly rent payments and are worried about being evicted. However, many jurisdictions have postponed eviction proceedings during the COVID-19 crisis, prohibited utility shut-offs, limited late fees that can […]