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Credit Reports & Credit Repairs

As credit reports, and their related credit scores, are being used today as screening tools by more and more companies (i.e. insurers, employers, landlords), it is very important to watch your credit reports. It is not uncommon to find errors on your reports. This section shares the work being done to address the overuse of credit reports and credit scores, how consumers can obtain their free credit reports and resources for disputing errors on credit reports.

ARTICLES

The impact of differences between consumer- and creditor-purchased credit scores
This report examines the ways credit scores are obtained and used, and discusses how the differences between the scores provided to creditors and those provided to consumers could disadvantage consumers. Read More

Highlights from the 2011 Legislative Session
After all the emails, strategy sessions, meetings, Facebook updates and trips to Albany, the 2011 Legislative session closed with a huge amount of excitement about New York’s new civil rights law that will bring marriage equality to same sex couples. Read More

Discrediting America: The Urgent Need To Reform The Nation's Credit Reporting Industry
This report reveals the extent of credit information “mission creep,” examines troubling shortcomings in the for-profit credit reporting industry, and recommends common sense steps to reform the credit reporting system. Read More


Credit Reports & Credit Repairs: Articles


IN THE NEWS

Soldier who served in Iraq falls victim to Mattydale used car dealer
A soldier’s routine car trade-in and used car deal has become a life-altering nightmare, ruining his credit score and sabotaging his job search. Read More

Banking on Hypocrisy
While American families have made clear that they overwhelmingly support the reforms that a new consumer financial protection agency will produce — like clear, understandable terms and conditions for consumer credit products and accountability for the big banks — the lobbyists have made equally clear their plan to kill the agency. Read More


Credit Reports & Credit Repairs: In the News


POLICY ADVOCACY

Highlights from the 2011 Legislative Session
After all the emails, strategy sessions, meetings, Facebook updates and trips to Albany, the 2011 Legislative session closed with a huge amount of excitement about New York’s new civil rights law. Read More

NYRL Announces Campaign to End Unfair and Discriminatory Employer Credit Checks
A growing number of employers are checking the credit histories of job applicants and employees, and using the information to deny people jobs and other opportunities. This practice blocks qualified applicants. Read More


Credit Reports & Credit Repairs: Policy Advocacy



NEWSLETTERS

Legal Services Journal - Spring 2011
The spring 2011 issue area of the LSJ has a special focus on Consumer and Community Development issues. You will also find an article on "Policy News", "Settlement in Class Action Application Delays Case in Nassau" and "21st Century SSA.. Read More

Legal Services Journal - Spring 2010 Issue
This issue of the Legal Services Journal contains articles on Consumer and Community Development, Immigration, Public Benefits and Disability Benefits. Read More




RESOURCES

Addressing credit report errors
If you believe there is an error on your credit report, you may dispute the trade item by sending a dispute letter to the credit reporting agency “CRA.” Read More

How to get and keep a good credit score
This is information provided by the Consumer Financial Protection Bureau on the steps to take to get and keep a good credit score. Read More

Free annual credit reports
There are three nationwide consumer credit reporting agencies (“CRAs”) and each report differently so you should check each report. Read More


Credit Reports & Credit Repairs: Resources