Practical notes for a stronger file.

Plain-language articles on credit reports, disputes, consumer rules and business credit. Educational only, not legal advice.

New California laws address student loans

SACRAMENTO, Calif. (AP) — These new California laws take effect Thursday, when the new fiscal year begins: —California’s ban on buying more than one handgun in a 30-day period expands to semiautomatic centerfire rifles, which include some that…

ACA International Welcomes New Members in May

Company Members AP Account Services LLC, San Antonio, Texas ARstrat, Sugarland, Texas Bank OZK, Little Rock, Arkansas Bilateral Credit Corp LLC, East Providence, Rhode Island Brock…

Fears of Post-Hardship Defaults Overblown

After COVID-19 was declared a pandemic in March 2020, banks and credit unions began offering borrowers hardship accommodations so the trauma of layoffs or furloughs wouldn’t…

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