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Category: Info for consumers |

Have medical debt? Anything already paid or under $500 should no longer be on your credit report

In April, the nationwide credit reporting companies – Equifax, Experian, and TransUnion – took action to remove medical collections already paid, under $500 or less than a year old from consumer credit reports. If you’re one of the millions of people with medical debt, here’s what you should know.

Category: Info for consumers |

Credit reporting companies should do more to ensure that servicemembers receive the free credit monitoring services they are legally entitled to

If you are on active duty (including an activated reservist) or a member of the National Guard, you can sign up for free electronic credit monitoring from all three major credit reporting companies to ensure your credit report is accurate and up to date.

Category: Data, research, and reports |

Office of Research blog: Who gets sued in civil courts? Civil judgments are not evenly distributed

Creditors can obtain civil judgments to seize assets and garnish wages for unpaid debts. New research show that civil judgments are 20 times more common in some states than others and are more common in areas with a higher percentage of Black residents. Civil judgments are twice as common as bankruptcies.

Category: Director's notebook |

As outstanding credit card debt hits new high, the CFPB is focusing on ways to increase competition and reduce costs

Credit cards are one of the most common financial products in our country, providing the bulk of short-term credit for families. Interest rates on credit cards have risen substantially, with average interest rates going over 20%. Given the trends for the 175 million Americans with credit cards, the CFPB estimates that outstanding credit card debt may continue to set records and could even hit $1 trillion.

Category: At the CFPB | Category: Data, research, and reports |

Our auto finance data pilot

We are piloting a new collection of auto data. As part of that effort, we issued orders to nine large auto lenders to provide information about their auto lending portfolio. Through this effort we will be better able to monitor the auto market and plan to share results with the public.