Financial and credit blogs to help you get answers to the questions you have to improve your financial future.
The Federal Trade Commission (FTC) recently released its annual Equal Credit Opportunity Act (ECOA) report, which details the agency's enforcement activities and educational efforts related to fair lending in 2023. The ECOA prohibits discrimination in credit transactions based on race, national origin, religion, sex, marital status, age, or disability.
Read MoreWhile politicians try to wrangle their words to hide the facts, the truth is that Americans are suffering more now than we’ve seen in decades. It seems everything has hit us at once as we all try to cope with post-pandemic living, the effects of being shut down, and the constant infighting in Washington that sees nothing getting done.
Read MoreIn celebration of the 12th anniversary of the Consumer Financial Protection Bureau (CFPB), PIRG - Public Information Research Group, is highlighting the top 10 crucial actions undertaken by this federal agency throughout 2023 to safeguard the interests of US consumers.
Read MoreUnlocking the Power of a Money Market Account: Exploring its Unique Features, Benefits, and Drawbacks on how to use and leverage a money market account and why it’s different from a savings account.
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Find out the latest in new consumer law changes. This article lists the federal and state consumer law scheduled to go into effect through December 31, 2023
The three nationwide credit reporting agencies - Equifax, Experian and TransUnion - have agreed to three important changes to reporting medical collection accounts.
•Paid medical collection debt will no longer be included on consumer credit reports, as of July 1, 2022.
•The time period before unpaid medical collection debt will appear on a consumer’s report will be increased from six months to one year, also effective July 1, 2022. This change gives consumers more time to work with insurance and/or healthcare providers to address medical collection debt before it appears on credit reports.
•Medical debt collection accounts under at least $500 will no longer be included on consumer credit reports. This goes into effect the first half of 2023.
These significant changes to medical collection debt reporting support consumers faced with unexpected medical bills.
Living paycheck to paycheck? Get some tips to keep more of your money.
How does unpaid child support affect my credit?
What is Zombie debt? Find out how to deal with old debt that haunts you.
Solid financial advice with real-life steps to take to budget better and save more.
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