A couple of businesses that said they were spammed by dispute letters purporting to be from consumers but really from Lexington Law received a jury verdict on a claim of fraud according to this article at InsideArm.com. This is a good time to remind people that a credit repair agency can’t do anything you can’t […]

How to dispute information on your credit report: You shouldn’t have to pay someone or a company to dispute items on your credit report. Anything a third party could dispute for you, you can dispute for yourself. There is actually more than one way to dispute. the credit bureaus will have you believe that you […]

Most people know that every time a potential creditor pulls your credit report in connection with an application for credit, your credit score is slightly affected.  This type of inquiry is known in the trade as a “hard pull”.  There is a second kind of credit report access called a “soft inquiry” or “soft pull.” […]

Medical debt on credit reports is a huge problem in the United States.  Small medical debts cause large unnecessary harm to the credit rating of millions of Americans. The Consumer Financial Protection Bureau just issued a press release about the problems with medical debts on consumer credit reports.  According to the CFPB, over 52% of all […]