The CFPB has published its 2016 list of consumer reporting companies. These companies collect financial information and provide consumer reports to other companies. The CFPB list includes the name and contact information from the three largest nationwide consumer reporting companies—Equifax, Experian, and TransUnion—as well as dozens of specialty reporting companies that collect information for specific purposes such as employment screening, tenant screening, and bank account screening, utilities, medical, etc. The report gives guidance and contact information for obtaining your free, yearly, credit report from any of the three largest companies. It also explains what information the specialty companies collect and to whom the information is disseminated. It is important to note that with respect to the specialty companies it is possible not to discover a negative credit report until after adverse action has been taken by a potential employer, landlord, etc. The report provides tips on which specialty reports might be important for you to fact-check depending on your specific situation. Contact information for each of the reporting companies is provided in the report and, like the largest consumer reporting companies, most provide free yearly reports. As a consumer, you have the right to see what is in your reports and to dispute any inaccuracies.
Tag Archive: credit reports
-
Who’s Watching You?
Posted by NCBRC - February 1st, 2016
-
NCLC Issues Paper on Foreclosure Crisis’s Effect on Credit Reporting
Posted by NCBRC - January 17th, 2014
In addition to the 4.5 million families who lost their homes, the foreclosure crisis had another insidious and long-lasting consequence both to individual consumers and on a broader economic scale. In a new white paper issued by the National Consumer Law Center, author Chi Chi Wu explores the devastating credit reporting problems left in the wake of the Great Recession. The report explores the scope of the problem and offers a variety of policy solutions. Solving the Credit Conundrum: Helping Consumers’ Credit Records Impaired by the Foreclosure Crisis and the Great Recession. Read More
-
Request Assistance
Request assistance with a case.
-
Help NCBRC
NCBRC needs your support to protect the rights of consumer bankruptcy debtors. The most effective way to support NCBRC is with a direct donation.
There are many other ways to give to NRBRC:
iGive.com: When you purchase items at over 1,400 online stores, a percentage of your purchase will be donated to NCBRC. Stores include Macy’s, Melissa and Doug, Bed Bath & Beyond, Nike, Petsmart, and more. Shop and Give today!
-
HAVEN Act Guide
The Honoring American Veterans in Extreme Need Act of 2019 (“HAVEN Act”) excludes certain benefits paid to veterans or their family members from the definition of current monthly income (“CMI”) found in the Bankruptcy Code. The HAVEN Act amends § 101(10A) of the Bankruptcy Code and supplements the 2005 amendments to the Code that excluded other government benefits, such as social security income.
This Guide provides an overview of the HAVEN Act identifies benefits that are excluded, and answers frequently asked questions.
-
Keep up with NCBRC
Thank you!
Thank you to the following organizations without whose support our work would not be possible.
American College of Bankruptcy
The American College of Bankruptcy is an honorary public service association of bankruptcy and insolvency professionals who are invited to join as Fellows based on a proven record of the highest standards of professionalism plus service to the profession and their communities. Together with its affiliated Foundation, the College is the largest financial supporter of bankruptcy and insolvency-related pro bono legal service programs in the United States.NACBA
The only national organization dedicated to serving the needs of consumer bankruptcy attorneys and protecting the rights of consumer debtors in bankruptcy. Formed in 1992, NACBA has more than 3,000 members located in all 50 states and Puerto Rico.O. Max Gardner Foundation, Inc.
Visit NACBA.org
The O. Max Gardner Foundation, Inc. provides financial support to institutions devoted to charitable, scientific, literary or educational purposes. NCBRC has been a recipient of grant awards from the foundation.