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Category: Info for consumers |
Published

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 |
Published

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 | Category: Policy and compliance |
Published

Por qué las grandes compañías emisoras de tarjetas de crédito suprimen datos reales de pagos en su informe de crédito

Las compañías emisoras de tarjetas de crédito no están reportando sus datos reales de pagos a las empresas nacionales de informes de crédito. Preguntamos el por qué, y le mostramos lo que descubrimos.

Category: Data, research, and reports |
Published

Office of Research blog: Credit score transitions during the COVID-19 pandemic

The distribution of credit score tiers shifted upward during the pandemic. Individuals in all credit score tiers were more likely to move up at least one tier or remain in their own tier during the pandemic, but upward mobility was especially improved for consumers with subprime credit scores.

Category: Data, research, and reports |
Published

New report explores the impact of credit card line decreases on consumers

Access to credit plays a critical role in financial resiliency, especially during an economic downturn. Credit card companies used credit card line decreases to reduce their credit exposure during the Great Recession and the COVID-19 pandemic. New research explores the impact of credit line decrease decisions on consumers.

Category: Info for consumers |
Published

Знайте и защищайте свои права, касающиеся медицинских счетов и взыскания задолженности

Узнайте, как защитить кредитную историю и избежать ошибочных действий, когда вам выставили счет за медицинское обслуживание.

Category: Data, research, and reports |
Published

Report illustrates how the big three credit reporting companies are giving consumers the runaround

A CFPB report revealed that the NCRAs have largely relied on vague, unhelpful form letters in response to consumer complaints filed with the Bureau. This practice, which surged in 2020, left families and communities vulnerable at the height of an unprecedented global pandemic and economic crisis.