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Fraudulent Account on Your Credit Report: How to Get It Removed
A fraudulent account on your credit report can be blocked within four business days with an identity theft report. The steps, and when it becomes a claim.
Insurance Paid the Medical Bill, but the Collection Is Still on My Credit Report
Your insurer processed the claim. The explanation of benefits says you owe nothing, or far less than the bill. A
The Navy Federal Unauthorized Loan Settlement: What Class Members Get, and the FCRA Claim They Keep
Navy Federal Credit Union has agreed to settle a class action over personal loans that were opened in members’ names
Wrongfully Sent to Collections? When You Can Sue Over a Collection on Your Credit Report
A bill you already paid, a balance your insurer was supposed to cover, an account that was never yours: when
Can You Sue a Creditor for False Credit Reporting?
If a bank, card issuer, auto lender, mortgage servicer or student loan servicer is telling the credit bureaus something about
GEICO’s $1.65 Million C.L.U.E. Report Settlement: Opt-Out Deadline Passed October 20
If you disputed something on your C.L.U.E. insurance report through LexisNexis between March 13, 2022 and May 1, 2026, and
A Deleted Account Came Back on Your Credit Report: The FCRA’s Reinsertion Rules
You disputed an account, the credit bureau deleted it, and months later it is back on your report. That is
TransUnion’s $8.31 Million Bankruptcy Remark Settlement: File a Claim or Opt Out?
If a TransUnion credit report between January 2020 and January 2023 said one of your accounts was part of a
Equifax’s $30 Million Hard Inquiry Settlement: File a Claim or Opt Out?
If you disputed a hard inquiry with Equifax between August 31, 2021 and March 27, 2026, you are probably a
Equifax’s $100 Million Credit Score Settlement: File a Claim or Opt Out?
If Equifax reported a wrong credit score for you in the spring of 2022, you are likely a member of
The FCRA Statute of Limitations: How Long You Have to Sue Over a Credit Report or Background Check Error
If a credit bureau, a lender or a background check company put something false in your file and it cost
Your Credit Report Says You Are Deceased. Here Is How That Happens, and How It Gets Fixed
A lender turns you down and gives no score. A card stops working. A mortgage application stalls with no explanation
Is There a Judgment on Your Credit Report? What to Check, and When It Is an Error
You pulled your credit report, or a lender, landlord or employer turned you down, and a court judgment seems to
How to Dispute a ChexSystems Report After a Bank Turns You Down
A bank or credit union turned down your application for a checking account, and the reason was a report from
How to Dispute a Checkr Background Check — and What to Do When Checkr “Confirms” the Report
Checkr runs the background checks behind the large rideshare and delivery platforms and a long list of employers that hire
Someone Else’s Criminal Record Is on Your Background Check. Here Is How It Got There — and What the Screening Company Owes You
You have never been arrested. The report the employer is holding says otherwise: a conviction, a case number, a county
A Closed Account on Your Credit Report: When It Belongs There — and When It Is Reporting Something That Never Happened
The account is closed. You closed it, or the card issuer did, or the loan was paid to zero and
You “Failed” a Background Check. There Is No Such Thing — Here Is What Actually Happened, and What You Are Owed
The recruiter’s e-mail says the offer is withdrawn because you did not pass the background check. It reads like an
A Late Payment on Your Credit Report That You Never Made: How to Dispute It
You paid on time. Your credit report says you did not. A “30 days late” that appears on an account
Someone Opened a Utility Account — or Signed a Lease — in Your Name. Here’s Where That Fraud Hides, and How To Root It Out.
Credit card fraud announces itself: a statement arrives, a score drops, an alert fires. Utility and apartment fraud is quieter.
Someone Opened a Credit Card in Your Name. The Steps Everyone Lists Are the Beginning — Not the End.
Every article on this subject gives you the same five steps: contact the card issuer, place a fraud alert, freeze