Equifax

Email Question about Phone Calls and Credit Reports

Another question from Ryan. Keep them coming! Hi Boiler, I found your site while searching for some help and also some complaints on Carson Smithfield. I had a [...]

Medical Bills and the FDCPA, FCRA, and TCPA

All, Medical debt is handled in a similar fashion to credit card debt. The FDCPA, FCRA, and TCPA do not apply to the hospital or medical provider; these laws [...]

FCRA Violation – Re-Aging and Zombie Debts

All, I wanted to alert you to credit phenomenons called, "re-aging" and Zombie Debt. First, re-aging is when the date of last activity or delinquency gets [...]

Two Settlements from Debt Collectors

All, Since my last podcast, I have received two settlement offers related to the FDCPA and FCRA  and accepted them. The first settlement was against a large [...]

Validation of debt is Important

All, There seems to be several misconceptions about verification and validation of debts when dealing with a FDCPA and FCRA. When you ask for verification of [...]

News – Credit Bureaus to get federal oversight for first time by CFPB

United States Consumer Financial Protection Bureau (CFPB) has announced today (7/16/12) that it is beginning oversight of credit bureaus. As you may or may not [...]