Credit Corp

JANUARY 21, 2021

A few of the laws that might come into play are as follows: The Fair Credit Report Act ensures your right to an accurate consumer credit profile. It obligates companies to report truthful information on your credit report. The Truth in Lending Act is part of the Consumer Credit Protection Act.

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Titan Consulting

MAY 3, 2020

All three for-profit credit reporting agencies, Experian, Equifax and Transunion compile and report consumer credit and debt payment activity and sell this consumer information to lenders seeking to grant credit. To compare your credit reports, visit annualcreditreport.com for a free copy every 12 months.

Credit Bureau 56

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Debt Collection Answers

FEBRUARY 21, 2024

A Pre-Screen Firm Offer of Credit, often referred to as pre-approved credit, is a marketing strategy employed by creditors to identify potential customers for their financial products. This process involves a preliminary screening of consumer credit reports to determine if individuals meet specific criteria set by the lender.

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Credit Corp

MAY 9, 2023

Renting a home, apartment or town house can affect your credit in a number of ways. It’s increasingly common for credit reporting agencies to include positive rental history in consumer credit reports. Having good credit can help you rent an apartment, and paying rent on time can help you build good credit.

Consumer Credit 98

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Troutman Sanders

MAY 9, 2023

Among other things, the bill: (1) caps the rate of interest on medical debt to 3% per annum; (2) requires a debt collector or collection agency collecting on a medical debt to provide the consumer, upon the consumer’s written or oral request, an itemized statement concerning the debt, while allowing the consumer to dispute the validity of the debt (..)

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Credit Corp

SEPTEMBER 7, 2020

One of the primary goals of VantageScore is to provide a model that is used the same way by all three credit bureaus. That would limit some of the disparity between your three major credit scores. So, what are the differences between an Experian credit score calculated using VantageScore and one calculated via the FICO model?

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Better Credit Blog

JANUARY 29, 2021

Any time you apply for new credit, like a card, loan, or line of credit, the lender might run a hard credit check. Hard inquires give creditors an all-access pass to your credit reports. Hard inquiries get added as a new entry on your credit report, remaining there for two years. HARD INQUIRIES.

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