According to a new report, Georgians are filing a record number of complaints with the Consumer Financial Protection Bureau (CFPB) against debt collectors. As it turns out, there are good reasons for this. In recent years, several Georgia-based debt collection firms have been accused of abusive debt collection practices and some have been sued under [...]
A lot of Ohio residents are in the process of improving their credit scores right now. A credit score is a three-digit number that is calculated from information contained in your credit reports. Higher numbers are better than lower numbers when it comes to credit scores. However, in order to know whether you have “good,” [...]
The Obama administration fired five debt collection agencies for giving out inaccurate information to consumers attempting to get their student loans out of default. Now, the Trump administration is ready to welcome two of these debt collectors back. Enterprise Recovery Systems and Pioneer Credit Recovery have both accepted the Education Department’s offer of new contracts. [...]
If you’re like other Arizona residents, you’ve taken an active interest in your credit score and credit reports. Now that the economy has taken a turn for the better, it may be time to undo some credit damage. In order to get the ball rolling with credit improvement, you’ll need to familiarize yourself with the [...]
For all Georgia consumers who are currently trying to improve their credit scores, here’s a big tip: There’s a very good chance that there are errors on your credit reports. In fact, about 80%of consumer credit reports contain errors of some type. By finding and disputing these errors, you can have them removed. For those [...]
Identity theft is a crime that is taken very seriously in Ohio. Characterized as a felony, even minor identity theft offenses are punishable by a 6 to 18-month prison sentence and a $2,500 fine. In the worst cases, where elderly, disabled, or active military persons are defrauded, the sentences are very stiff. Convicted identity thieves [...]
When it comes to the housing market in Michigan, things are definitely looking up for 2017. According to RealComp.com, the current inventory of homes for sale in southeast Michigan is at a 15-year low. Property values are going up, up, and up, so if you’re looking to buy a home, now is a good time. [...]
The Federal Trade Commission wound down its Operation Collection Protection initiative early in 2017, but not before wrapping up a case against Commercial Recovery Systems Inc. and its owner. Operating out of Texas, but also targeting consumers in surrounding states, this agency violated the Fair Debt Collection Practices Act in a number of ways. Also, [...]
Among the many institutions that have been targeted by the Consumer Financial Protection Bureau, the three major credit reporting bureaus are now being heavily scrutinized. TransUnion, Experian, and Equifax have all been fined and advised to “improve their quality control systems.” This may be good news for Georgia residents who are trying to improve their [...]
An online search for anything related to “bad credit” and “Ohio” brings up a list of offers for car loans and home loans for credit-challenged consumers. Therefore, it seems reasonable to assume that, even though Ohioans are striving valiantly to earn better credit, bad credit still plagues the Buckeye State. Here’s something that may surprise [...]
In the most recent version of the annual Top Ten Michigan Consumer Complaints list published annually by the Attorney General, credit and debt collection issues dominated once again. Still reeling from the Financial Crisis of 2008, many Michiganders are working to revive their credit scores. Consumers in the Mitten are also very concerned with credit [...]
Michigan tied with four other states for having the largest amount of fraud complaints per capita. This is a huge problem for Michigan consumers. Identity theft can leave you with immediate financial losses and with long-lasting credit damage. Because identity theft is so difficult to recover from, the best strategy is to prevent it. 10 [...]
Four online lenders have recently been sued by the Consumer Financial Protection Bureau (CFPB) for illegal debt collection practices. Golden Valley Lending Inc., Silver Cloud Financial, Inc., Mountain Summit Financial, Inc., and Majestic Lake Financial, Inc. are all being charged with heavy violations. Based in California, these lenders allegedly deceived borrowers in multiple states, including [...]
All Georgia consumers should get into the habit of regularly checking their credit reports. Under the Fair and Accurate Credit Transactions Act, you are entitled to one free copy of your credit report from each of the major credit bureaus every twelve months. This means that you literally have NO excuse not to check. Knowing [...]
If you are a Michigan consumer who’s struggling with bad credit, you may be looking for a quick way to improve your credit score. When you see advertisements for credit repair companies, you’re probably wondering if these agencies might have the solutions to your problems. They might, but there’s no guarantee. Credit repair companies have [...]
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