Plain-language articles on credit reports, disputes, consumer rules and business credit. Educational only, not legal advice.
WASHINGTON—The Supreme Court will hear arguments in a case challenging the single-director structure of the Federal Housing Finance Agency, weeks after the court ruled that the directorship of the Consumer Financial Protection Bureau was unconstitutional. Fannie Mae and…
Using a credit card is easy — you use the card to buy things and then pay the credit card bill. A credit card can sometimes…
The Ninth Circuit recently issued an opinion addressing standing and willfulness under the Fair Credit Reporting Act (FCRA). In Ramirez v. TransUnion,[1] the Ninth Circuit affirmed…
The Consumer Financial Protection Bureau (CFPB) issued a notice of proposed rulemaking (NPRM) that would amend Regulation Z to provide a new exemption available to certain…
According to the survey findings, 40% of respondents lacked a good understanding of the implications of taking on student debt when they elected to seek a…
Debt collectors will no longer get an exemption to use robocalls to cellphones. CNET/Marguerite Reardon The US Supreme Court on Monday struck down an exception in…
On Monday, the U.S. House approved H.R. 5332, the Protecting Your Credit Score Act of 2020(Gottheimer-NJ). U.S. PIRG joined other leading advocates of credit reporting reform…
As the effects of the Coronavirus linger and continue to impact millions of Americans, one group of consumers—members of the U.S. military—faces additional challenges and hardships.…
It is never a pleasant experience to receive phone calls or other communications from a debt collector. What’s worse is that sometimes collectors may contact consumers…
Question: I have 3 credit cards that I have paid off. If I was to accept an offer from another credit card company that offers me…
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