Experian
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 [...]