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Category: Info for consumers |
Published

Las protecciones federales a la vivienda han terminado. Sepa cómo evitar la ejecución y el desalojo

Algunas de las protecciones federales que fueron establecidas para proteger a los propietarios de vivienda del “foreclosure” o ejecución financiera, y a los inquilinos del “eviction” o desalojo durante la pandemia del COVID-19, terminaron el 31 de julio. Si usted tiene problemas para pagar su renta o hipoteca, es importante que actúe ahora para prevenir la ejecución o el desalojo.

Category: Data, research, and reports |
Published

Credit card use is still declining compared to pre-pandemic levels

This post is the third in a series documenting trends in consumer credit outcomes during the COVID-19 pandemic. The economic disruption of the pandemic does not appear to have caused consumers to run up large credit card balances. The opposite seems to be the case, since April 2020, credit card balances and utilization rates have continued to decline, and the share of credit card borrowers that carry a balance rather than pay in full have also declined.

Category: Data, research, and reports |
Published

Trends in Reported Assistance on Consumers’ Credit Records

This post is the second in a series documenting trends in consumer credit outcomes during the COVID-19 pandemic. Since July 2020, consumers have transitioned out of assistance to varying degrees across all credit products, but a significant share of mortgage borrowers continue to receive assistance.

Category: Info for consumers |
Published

As foreclosure protections end, it’s time to work with your mortgage servicer

We have temporarily updated our rule for most mortgage servicers to require them ─ when they reach out to borrowers who are behind on their loans or in forbearance ─ to tell borrowers about their options to avoid foreclosure. Learn why you should contact your mortgage servicer if you’re struggling to make your payments.

Category: Data, research, and reports |
Published

Delinquencies on credit accounts continue to be low despite the pandemic

New Bureau research examines consumer credit trends through April 2021, finding little increase in delinquencies on credit cards, auto loans, mortgages, and student loans during COVID-19. Delinquency rates also remain lower than pre-pandemic levels, likely as a result of public and private interventions.

Category: Data, research, and reports |
Published

Making Ends Meet series: Changes in consumer financial status during the early months of the pandemic

A new analysis in our Making Ends Meet survey series looks at the early impact of COVID-19 on the financial status of consumers, finding that their ability to stay on top of their finances was greater in June 2020 than June 2019, likely as a result of government policies and private programs to reduce financial distress.

Category: Info for consumers |
Published

Sepa cuáles son sus derechos como inquilino que enfrenta un desalojo

Si usted debe la renta, podría tener derecho a posponer el desalojo usando la Declaración de Protección contra el Desalojo del CDC. También podría tener derecho a recibir notificación de la moratoria de desalojos del CDC por parte de un cobrador de deudas. Sepa más acerca de las prácticas injustas de cobro de deudas y cómo evitar el desalojo durante la pandemia del COVID-19.

Category: Info for consumers |
Published

Unemployment benefits scams: How to protect yourself

Scammers are taking advantage of the pandemic and fraudulently filing unemployment claims using stolen personal identity information. If you received a 1099-G tax form for unemployment benefits that you didn’t apply for or receive, you may be a victim of identity theft.

Category: Info for consumers |
Published

Estafas con beneficios por desempleo: Cómo puede protegerse

Existen estafadores que están aprovechándose de la pandemia para introducir de forma fraudulenta, reclamos de beneficios por desempleo, utilizando información personal de identidad robada. Si le llegó una planilla de impuestos 1099-G por beneficios por desempleo que no ha solicitado o recibido, usted podría ser víctima de un robo de identidad.

Category: Info for consumers |
Published

A complete guide to COVID-19 financial relief

Americans are receiving the third and latest round of financial relief through the Economic Impact Payments (EIP). Yet, millions still haven’t received the first and second payments – and likely won’t receive the third unless they file a 2020 tax return. View our complete guide to the COVID-19 Economic Impact Payments.