Your Credit Report: When F-R-E-E Does NOT Spell Free
Under the Fair Credit Reporting Act, each of the three credit reporting agencies (Equifax, Experian and TransUnion) is required to provide a copy of your credit report once every 12 months at absolutely no charge to you. You can easily request a copy of your report online, but you need to make sure you [...]
Debt Collection FAQs: A Guide For Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect [...]