While sounding like accessories that fashionable 20-somethings might use to bling out their plastic, credit card “shimmers” are actually new identity theft tools. Experts report that these tiny, illegal devices have been found throughout the valley, and they may be coming soon to a gas station near you. How Skimmers and Shimmers are Different You [...]
Believe it or not, some employers run credit checks on job applicants, and they might base their decision on what they find. Many qualified candidates have lost out on positions because of blemishes on their credit reports. Because this practice is often viewed as discriminatory, 11 states have outlawed or placed strict restrictions on employer [...]
Identity theft is on the rise everywhere, but Michigan residents should be especially on guard against fraudsters. Last year, according to the Federal Trade Commission (FTC), Michigan ranked sixth in the nation for ID theft reports, with 15,684 filed. So, why are so many Michiganders being targeted for identity theft? Experts believe that it has [...]
Back in 2011, the Arizona statute of limitations for credit card debt collection doubled. So, debt collectors can sue consumers for up to six years after an account is delinquent. This gives collection agencies a long time to threaten and harass you before taking you to court. Fortunately, a law was created to protect consumers [...]
Have you ever heard the term “predatory lending?” It might make you think of big animals with big teeth. And maybe that $200 you need to make it until your next payday is in the mouth of the meanest looking gator you’ve ever seen. You really need the cash, and the money’s right there, [...]
The Consumer Financial Protection Bureau (known as the CFPB) hit Experian with a whopping $3 million penalty this week for lying and cheating consumers. Experian has been hawking the sale of credit scores that it told consumers were actually used by lenders. It turns out that these scores were NOT the ones used by the [...]
The United States Court of Appeals for the Seventh Circuit held that a debt collector is liable for the illegal actions of its attorneys and other agents that are taken on the debt collector’s behalf, as long as the attorney or agent is also acting as a debt collector. In that case, Asset Acceptance, LLC, [...]
One question we hear a lot is how is a credit score determined. Credit Scores used to be determined by Fair Isaac Credit Organization also known as “FICO.” This company came around in the 1950s by hiring some very smart math guys who analyzed consumer credit habits. In more recent years, the credit bureaus started [...]
Identity thieves prey on the vulnerable and unsuspecting. Sadly, these low life identity crooks have recently targeted minors as easy targets for identify theft. While many adults keep tabs on their own credit history by periodically reviewing their credit report, most take for granted that the credit histories of their minor children are spotless. However, [...]
Discover the Secrets of how to read your Credit Report and What the Credit Agencies are Reporting About You. How do lenders come up with Credit Scores that determine how much money you can borrow? Under the Law, it’s your responsibility to make sure that your credit reports are accurate and quite frankly, that’s [...]
GC Services, a national debt collector, has agreed to pay $700,000 to the federal government as a civil penalty for its debt collection harassment practices and other illegal tactics to collect debts. GC Services is a large debt collection agency with a dedicated student loan division. The lawsuit against GC Services alleges that it left [...]
Job seekers with poor credit know all too well how negative items on their credit report can put them at a disadvantage when seeking employment, since companies often check an applicant’s credit report before offering employment. This "credit report as a condition of employment" cycle creates a vicious circle where a person having credit difficulties [...]
Dealing with the Credit Reporting Agencies is essential to our financial lives and what is listed on our credit reports are up to the consumer to ensure is accurate. What better way to ensure accuracy on your credit report then to enroll into a free program offered by Equifax and TransUnion? That is exactly what [...]
Since the start of the new year, the CFPB has already received over 1,600 complaints about debt collectors. Over 44% of those complaints were about repeated attempts by debt collectors to collect a debt that is not owed. In most cases, the debt did not belong to the consumer, with cases where the consumer already [...]
This greedy debt collector wants more money! For some reason, Buffalo, NY is a hot bed of sleazy debt collectors. This town raises scummy debt collection agencies faster than the Feds can put them out of business; kind of like Whack-a-Mole. Most recently, the CFPB and the New York Attorney General have [...]
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