Per CFPB, If You Furnish Information To The Credit Bureaus You Better Perform An Adequate Investigation When Disputes Are Filed
Per CFPB, If You Furnish Information To The Credit Bureaus You Better Perform An Adequate Investigation When Disputes Are Filed Auto Loans by John Ulzheimer Share Share Email Today the CFPB (Consumer Financial Protection Bureau) put companies that provide information to the credit bureaus (“data furnishers”) on notice that when the receive a dispute from […]
How Can I Protect My Child’s Personal Information at School?
How Can I Protect My Child’s Personal Information at School? Credit Monitoring by John Ulzheimer Share Share Email Back to school is an annual ritual that includes buying new notebooks, packing lunches, coordinating transportation, and filling out forms: registration forms, health forms, permission slips, and emergency contact forms, to name a few. For me, personally, […]
Do credit scores consider information not on my credit report?
Do credit scores consider information not on my credit report? Auto Loans by John Ulzheimer Share Share Email Credit scores are based upon information on the credit report. This is the only information used to predict credit behavior. The next question is, which data is and is not included in a credit report? Data normally […]
Don’t Assume Negative Information Is Permanently Gone From Your Credit Reports After 7 to 10 Years
Don’t Assume Negative Information Is Permanently Gone From Your Credit Reports After 7 to 10 Years Bankruptcy by John Ulzheimer Share Share Email Whenever anyone writes an article or does an interview about the longevity of negative credit reporting they’re quick to default to the “7 to 10” year rule, and rightfully so. I myself […]
How Long Can Good and Bad Information Remain on My Credit Reports?
How Long Can Good and Bad Information Remain on My Credit Reports? Auto Loans by John Ulzheimer Share Share Email If you have good or excellent credit and haven’t had any late payments you’re probably not worried about how long data stays on your credit reports. If there is negative data on your credit report, […]
How does negative information impact my score?
How does negative information impact my score? Auto Loans by John Ulzheimer Share Share Email The consumer watch dog, the Consumer Financial Protection Bureau (CFPB) recently released a study regarding how consumer data is managed. The paper was titled “Key Dimensions and Processes in the U.S. Credit Reporting system: A review of how nation’s largest […]