credit scores

Medical debt is different. Typically when consumers borrow money, they can consider how much they’ll owe, shop around for the best interest rate, and usually have at least a little breathing room to reassess whether the goods or services they want to purchase are worth going into debt for in the...
Credit reports and scores are made up entirely of information about individual consumers -- data that’s collected without our permission or even necessarily our knowledge -- but we don’t have free access to this information. Under federal law, consumers get one free credit report a year and must...
The credit reporting industry has given us plenty to complain about:  credit reports too often contain errors,  the errors are fiendishly hard to fix, reports and scores are not accessible enough to consumers, and credit information is increasingly being used for a variety of extraneous...
Say you want to buy a house or a car and you need a loan to do it. You do what every personal finance site recommends and obtain a free copy of your credit report from Then, urged on by the ads from TransUnion, Equifax, or Experian – the “big three” credit reporting firms...
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