#creditreports — Public Fediverse posts
Live and recent posts from across the Fediverse tagged #creditreports, aggregated by home.social.
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Lawmakers Demand Answers About Growing Number of Unfixed Mistakes on #CreditReports
found that 2 of the 3 major #creditBureaus — #TransUnion & #Experian — had substantially scaled back how often they provided relief to complaints filed through the #ConsumerFinancialProtectionBureau. The decline in relief coincided with the #Trump admin’s attempts to conduct mass #layoffs at the #CFPB & roll back much of its #oversight of the #financial sector.
#maga #privacy #financehttps://www.propublica.org/article/credit-report-mistakes-lawmakers-letter
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Lawmakers Demand Answers About Growing Number of Unfixed Mistakes on #CreditReports
found that 2 of the 3 major #creditBureaus — #TransUnion & #Experian — had substantially scaled back how often they provided relief to complaints filed through the #ConsumerFinancialProtectionBureau. The decline in relief coincided with the #Trump admin’s attempts to conduct mass #layoffs at the #CFPB & roll back much of its #oversight of the #financial sector.
#maga #privacy #financehttps://www.propublica.org/article/credit-report-mistakes-lawmakers-letter
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Lawmakers Demand Answers About Growing Number of Unfixed Mistakes on #CreditReports
found that 2 of the 3 major #creditBureaus — #TransUnion & #Experian — had substantially scaled back how often they provided relief to complaints filed through the #ConsumerFinancialProtectionBureau. The decline in relief coincided with the #Trump admin’s attempts to conduct mass #layoffs at the #CFPB & roll back much of its #oversight of the #financial sector.
#maga #privacy #financehttps://www.propublica.org/article/credit-report-mistakes-lawmakers-letter
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Lawmakers Demand Answers About Growing Number of Unfixed Mistakes on #CreditReports
found that 2 of the 3 major #creditBureaus — #TransUnion & #Experian — had substantially scaled back how often they provided relief to complaints filed through the #ConsumerFinancialProtectionBureau. The decline in relief coincided with the #Trump admin’s attempts to conduct mass #layoffs at the #CFPB & roll back much of its #oversight of the #financial sector.
#maga #privacy #financehttps://www.propublica.org/article/credit-report-mistakes-lawmakers-letter
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Lawmakers Demand Answers About Growing Number of Unfixed Mistakes on #CreditReports
found that 2 of the 3 major #creditBureaus — #TransUnion & #Experian — had substantially scaled back how often they provided relief to complaints filed through the #ConsumerFinancialProtectionBureau. The decline in relief coincided with the #Trump admin’s attempts to conduct mass #layoffs at the #CFPB & roll back much of its #oversight of the #financial sector.
#maga #privacy #financehttps://www.propublica.org/article/credit-report-mistakes-lawmakers-letter
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Sports Betting Is Everywhere, Especially on Credit Reports
#HackerNews #SportsBetting #CreditReports #Gambling #Economy #Finance
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Sports Betting Is Everywhere, Especially on Credit Reports
#HackerNews #SportsBetting #CreditReports #Gambling #Economy #Finance
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Sports Betting Is Everywhere, Especially on Credit Reports
#HackerNews #SportsBetting #CreditReports #Gambling #Economy #Finance
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Sports Betting Is Everywhere, Especially on Credit Reports
#HackerNews #SportsBetting #CreditReports #Gambling #Economy #Finance
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Sports Betting Is Everywhere, Especially on Credit Reports
#HackerNews #SportsBetting #CreditReports #Gambling #Economy #Finance
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Workers’ Wages Continue to Be Garnished to Pay Off Medical Debt
This aggressive collection practice is widespread even in a state considered to have strong consumer protections.https://murica.website/2025/10/workers-wages-continue-to-be-garnished-to-pay-off-medical-debt/
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Workers’ Wages Continue to Be Garnished to Pay Off Medical Debt
This aggressive collection practice is widespread even in a state considered to have strong consumer protections.https://murica.website/2025/10/workers-wages-continue-to-be-garnished-to-pay-off-medical-debt/
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Workers’ Wages Continue to Be Garnished to Pay Off Medical Debt
This aggressive collection practice is widespread even in a state considered to have strong consumer protections.https://murica.website/2025/10/workers-wages-continue-to-be-garnished-to-pay-off-medical-debt/
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@camless You're welcome. And if people have children or relatives who may not know about this, you may want to check for them and opt them out of nationalpublicdata.com, too (see https://nationalpublicdata.com/optout.html).
Then also help them create security freezes.
Parents of young children: Check to make sure your kids' info isn't in the nationalpublicdata.com site. Opt them out if they are. Then:
Your kids should not have a credit report unless you authorized them to use a credit card or something. But they may also have a credit report if their identity info was obtained and misused.
Check to see if they have a credit report by contacting the major credit reporting firms. You may have to mail the request for Equifax, but you should be able to check online for Experian and TransUnion .
To be proactive: freeze your young child's credit report.
#security #creditreports #Experian #TransUnion #Equifax #NPD #optout
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@camless You're welcome. And if people have children or relatives who may not know about this, you may want to check for them and opt them out of nationalpublicdata.com, too (see https://nationalpublicdata.com/optout.html).
Then also help them create security freezes.
Parents of young children: Check to make sure your kids' info isn't in the nationalpublicdata.com site. Opt them out if they are. Then:
Your kids should not have a credit report unless you authorized them to use a credit card or something. But they may also have a credit report if their identity info was obtained and misused.
Check to see if they have a credit report by contacting the major credit reporting firms. You may have to mail the request for Equifax, but you should be able to check online for Experian and TransUnion .
To be proactive: freeze your young child's credit report.
#security #creditreports #Experian #TransUnion #Equifax #NPD #optout
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@camless You're welcome. And if people have children or relatives who may not know about this, you may want to check for them and opt them out of nationalpublicdata.com, too (see https://nationalpublicdata.com/optout.html).
Then also help them create security freezes.
Parents of young children: Check to make sure your kids' info isn't in the nationalpublicdata.com site. Opt them out if they are. Then:
Your kids should not have a credit report unless you authorized them to use a credit card or something. But they may also have a credit report if their identity info was obtained and misused.
Check to see if they have a credit report by contacting the major credit reporting firms. You may have to mail the request for Equifax, but you should be able to check online for Experian and TransUnion .
To be proactive: freeze your young child's credit report.
#security #creditreports #Experian #TransUnion #Equifax #NPD #optout
-
@camless You're welcome. And if people have children or relatives who may not know about this, you may want to check for them and opt them out of nationalpublicdata.com, too (see https://nationalpublicdata.com/optout.html).
Then also help them create security freezes.
Parents of young children: Check to make sure your kids' info isn't in the nationalpublicdata.com site. Opt them out if they are. Then:
Your kids should not have a credit report unless you authorized them to use a credit card or something. But they may also have a credit report if their identity info was obtained and misused.
Check to see if they have a credit report by contacting the major credit reporting firms. You may have to mail the request for Equifax, but you should be able to check online for Experian and TransUnion .
To be proactive: freeze your young child's credit report.
#security #creditreports #Experian #TransUnion #Equifax #NPD #optout
-
@camless You're welcome. And if people have children or relatives who may not know about this, you may want to check for them and opt them out of nationalpublicdata.com, too (see https://nationalpublicdata.com/optout.html).
Then also help them create security freezes.
Parents of young children: Check to make sure your kids' info isn't in the nationalpublicdata.com site. Opt them out if they are. Then:
Your kids should not have a credit report unless you authorized them to use a credit card or something. But they may also have a credit report if their identity info was obtained and misused.
Check to see if they have a credit report by contacting the major credit reporting firms. You may have to mail the request for Equifax, but you should be able to check online for Experian and TransUnion .
To be proactive: freeze your young child's credit report.
#security #creditreports #Experian #TransUnion #Equifax #NPD #optout
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#Trump has fired the director of the #Consumer #Financial #Protection Bureau, #RohitChopra, in the latest #purge of a #Biden admin ofcl.
Chopra was one of the more important #regulators from the previous admin. Chopra’s tenure saw the removal of #MedicalDebt from #CreditReports & limits on #overdrafts #penalties, all based on the premise that the financial system could be fairer & more competitive in ways that helped #consumers.
#TrumpCoup2 #GovernmentOverthrow #law
https://apnews.com/article/trump-chopra-consumer-financial-protection-bureau-47b6b39d0eff05ea0c9bca4eacf55b79 -
#Trump has fired the director of the #Consumer #Financial #Protection Bureau, #RohitChopra, in the latest #purge of a #Biden admin ofcl.
Chopra was one of the more important #regulators from the previous admin. Chopra’s tenure saw the removal of #MedicalDebt from #CreditReports & limits on #overdrafts #penalties, all based on the premise that the financial system could be fairer & more competitive in ways that helped #consumers.
#TrumpCoup2 #GovernmentOverthrow #law
https://apnews.com/article/trump-chopra-consumer-financial-protection-bureau-47b6b39d0eff05ea0c9bca4eacf55b79 -
#Trump has fired the director of the #Consumer #Financial #Protection Bureau, #RohitChopra, in the latest #purge of a #Biden admin ofcl.
Chopra was one of the more important #regulators from the previous admin. Chopra’s tenure saw the removal of #MedicalDebt from #CreditReports & limits on #overdrafts #penalties, all based on the premise that the financial system could be fairer & more competitive in ways that helped #consumers.
#TrumpCoup2 #GovernmentOverthrow #law
https://apnews.com/article/trump-chopra-consumer-financial-protection-bureau-47b6b39d0eff05ea0c9bca4eacf55b79 -
#Trump has fired the director of the #Consumer #Financial #Protection Bureau, #RohitChopra, in the latest #purge of a #Biden admin ofcl.
Chopra was one of the more important #regulators from the previous admin. Chopra’s tenure saw the removal of #MedicalDebt from #CreditReports & limits on #overdrafts #penalties, all based on the premise that the financial system could be fairer & more competitive in ways that helped #consumers.
#TrumpCoup2 #GovernmentOverthrow #law
https://apnews.com/article/trump-chopra-consumer-financial-protection-bureau-47b6b39d0eff05ea0c9bca4eacf55b79 -
#Trump has fired the director of the #Consumer #Financial #Protection Bureau, #RohitChopra, in the latest #purge of a #Biden admin ofcl.
Chopra was one of the more important #regulators from the previous admin. Chopra’s tenure saw the removal of #MedicalDebt from #CreditReports & limits on #overdrafts #penalties, all based on the premise that the financial system could be fairer & more competitive in ways that helped #consumers.
#TrumpCoup2 #GovernmentOverthrow #law
https://apnews.com/article/trump-chopra-consumer-financial-protection-bureau-47b6b39d0eff05ea0c9bca4eacf55b79 -
@Walker I decided to freeze all of my #CreditReports today.
I had no problem getting into my #Experian & #Equifax accounts to do that but, I didn't have an acct with #TransUnion yet & had a big problem setting one up & logging into it.
So, I decided to call TransUnion to set up the freeze instead. It was a fully automated process & was quite simple. I hope that the process to unfreeze the report with TransUnion by phone will be just as easy.
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Reporting false information on a credit report violates the FDCPA, the federal law governing debt collection.
And when they break the law, you can sue, wipe out the debt, and put money in your pocket.
Because when debt collectors break the law, they owe you money, not the other way around.
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Reporting false information on a credit report violates the FDCPA, the federal law governing debt collection.
And when they break the law, you can sue, wipe out the debt, and put money in your pocket.
Because when debt collectors break the law, they owe you money, not the other way around.
-
Reporting false information on a credit report violates the FDCPA, the federal law governing debt collection.
And when they break the law, you can sue, wipe out the debt, and put money in your pocket.
Because when debt collectors break the law, they owe you money, not the other way around.
-
Reporting false information on a credit report violates the FDCPA, the federal law governing debt collection.
And when they break the law, you can sue, wipe out the debt, and put money in your pocket.
Because when debt collectors break the law, they owe you money, not the other way around.
-
Reporting false information on a credit report violates the FDCPA, the federal law governing debt collection.
And when they break the law, you can sue, wipe out the debt, and put money in your pocket.
Because when debt collectors break the law, they owe you money, not the other way around.
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Pull all three of your credit reports. Look at everything the debt collector is saying about the account: balance, date of last payment, date the item will be removed, and so on.
If the debt collector is reporting the truth, all three reports should match.
If there's a difference, they've lied to someone.
👇
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Pull all three of your credit reports. Look at everything the debt collector is saying about the account: balance, date of last payment, date the item will be removed, and so on.
If the debt collector is reporting the truth, all three reports should match.
If there's a difference, they've lied to someone.
👇
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Pull all three of your credit reports. Look at everything the debt collector is saying about the account: balance, date of last payment, date the item will be removed, and so on.
If the debt collector is reporting the truth, all three reports should match.
If there's a difference, they've lied to someone.
👇
-
Pull all three of your credit reports. Look at everything the debt collector is saying about the account: balance, date of last payment, date the item will be removed, and so on.
If the debt collector is reporting the truth, all three reports should match.
If there's a difference, they've lied to someone.
👇
-
Pull all three of your credit reports. Look at everything the debt collector is saying about the account: balance, date of last payment, date the item will be removed, and so on.
If the debt collector is reporting the truth, all three reports should match.
If there's a difference, they've lied to someone.
👇
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My favorite way to catch debt collectors in a lie is by playing a simple kid's game:
"One of these things is not like the other."
It's easy.
👇
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My favorite way to catch debt collectors in a lie is by playing a simple kid's game:
"One of these things is not like the other."
It's easy.
👇
-
My favorite way to catch debt collectors in a lie is by playing a simple kid's game:
"One of these things is not like the other."
It's easy.
👇
-
My favorite way to catch debt collectors in a lie is by playing a simple kid's game:
"One of these things is not like the other."
It's easy.
👇
-
My favorite way to catch debt collectors in a lie is by playing a simple kid's game:
"One of these things is not like the other."
It's easy.
👇
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But the report itself isn't proof about what you owe. It's just a report. And it would be hearsay if someone tried to use it to prove whether you owed anything.
And lots of real debt might never get reported. And there are lots of reasons a legitimate debt might get removed.
So just because something falls off the report, that doesn't mean someone won't try to collect it from you.
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But the report itself isn't proof about what you owe. It's just a report. And it would be hearsay if someone tried to use it to prove whether you owed anything.
And lots of real debt might never get reported. And there are lots of reasons a legitimate debt might get removed.
So just because something falls off the report, that doesn't mean someone won't try to collect it from you.
-
But the report itself isn't proof about what you owe. It's just a report. And it would be hearsay if someone tried to use it to prove whether you owed anything.
And lots of real debt might never get reported. And there are lots of reasons a legitimate debt might get removed.
So just because something falls off the report, that doesn't mean someone won't try to collect it from you.
-
But the report itself isn't proof about what you owe. It's just a report. And it would be hearsay if someone tried to use it to prove whether you owed anything.
And lots of real debt might never get reported. And there are lots of reasons a legitimate debt might get removed.
So just because something falls off the report, that doesn't mean someone won't try to collect it from you.
-
But the report itself isn't proof about what you owe. It's just a report. And it would be hearsay if someone tried to use it to prove whether you owed anything.
And lots of real debt might never get reported. And there are lots of reasons a legitimate debt might get removed.
So just because something falls off the report, that doesn't mean someone won't try to collect it from you.
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When a debt falls off your credit report, do you still owe it?
I get this question a lot, and it shows that a lot of people still get confused about the overlap between credit reporting and debt collection.
It's true that a collection must come off your report if you don't really owe it. For example, if you go to court and prove it's not your debt, any debt collector that reports it after that is almost always breaking the law.
👇
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When a debt falls off your credit report, do you still owe it?
I get this question a lot, and it shows that a lot of people still get confused about the overlap between credit reporting and debt collection.
It's true that a collection must come off your report if you don't really owe it. For example, if you go to court and prove it's not your debt, any debt collector that reports it after that is almost always breaking the law.
👇
-
When a debt falls off your credit report, do you still owe it?
I get this question a lot, and it shows that a lot of people still get confused about the overlap between credit reporting and debt collection.
It's true that a collection must come off your report if you don't really owe it. For example, if you go to court and prove it's not your debt, any debt collector that reports it after that is almost always breaking the law.
👇
-
When a debt falls off your credit report, do you still owe it?
I get this question a lot, and it shows that a lot of people still get confused about the overlap between credit reporting and debt collection.
It's true that a collection must come off your report if you don't really owe it. For example, if you go to court and prove it's not your debt, any debt collector that reports it after that is almost always breaking the law.
👇
-
When a debt falls off your credit report, do you still owe it?
I get this question a lot, and it shows that a lot of people still get confused about the overlap between credit reporting and debt collection.
It's true that a collection must come off your report if you don't really owe it. For example, if you go to court and prove it's not your debt, any debt collector that reports it after that is almost always breaking the law.
👇
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Which one works best for you? It's going to depend. And for that, you might want to get professional advice on how to best prepare yourself for the possibility of filing a lawsuit.
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Which one works best for you? It's going to depend. And for that, you might want to get professional advice on how to best prepare yourself for the possibility of filing a lawsuit.
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Which one works best for you? It's going to depend. And for that, you might want to get professional advice on how to best prepare yourself for the possibility of filing a lawsuit.
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Which one works best for you? It's going to depend. And for that, you might want to get professional advice on how to best prepare yourself for the possibility of filing a lawsuit.
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If you're dealing with the second, you might need to show that the bureau has a pattern or practice of ignoring your disputes. This means multiple rounds of letters, lots of documentation, and possible several months of preparation. And again, if they fix it, great, but after several months of stiff-arming you, they might have to pay a significant price.
👇
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If you're dealing with the second, you might need to show that the bureau has a pattern or practice of ignoring your disputes. This means multiple rounds of letters, lots of documentation, and possible several months of preparation. And again, if they fix it, great, but after several months of stiff-arming you, they might have to pay a significant price.
👇
