Financial and credit blogs to help you get answers to the questions you have to improve your financial future.
President Biden's new bill aimed at helping people with lower credit scores may negatively affect those with good credit scores. The bill proposes penalizing those with good credit scores to relieve those who have struggled with their finances.
Read MoreIf you're like many, you may have found yourself in a situation with old, unpaid debts weighing you down. You may receive calls from debt collectors or, even worse, abusive debt collectors. The good news is that there are steps you can take to repair your credit and protect yourself from abusive debt collectors. Here are some tips for paying off old debt and fighting abusive debt collectors.
Read MoreThe most recent recession and drastic inflation were primarily caused by a combination of various factors, including:
Read MoreStarting from January 1, 2023, a new law called California AB 1243 will be put into effect in California, to help protect elder and dependent adults from financial abuse. This law allows judges to issue restraining orders against financial abuse, and to determine whether specific debts were the result of coerced debt. This means that people who have been financially abused will now have an additional tool to dispute debts with creditors, collectors, and credit reporting agencies.
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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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