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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

2014: Access to credit remains tight for people and communities of color
While we are 5 years into the recovery, a Center for Responsible Lending analysis of the just-released 2014 data shows that we are still not making enough progress. Read More

Top Ten Ways The CFPB Can Help You With Financial Questions
The U.S. PIRG Education Fund has put together this great resource of how the CFPB can help you. It includes information on how to make complaints to the CFPB. Read More

Full Utility Credit Reporting: Risks to Low-Income Consumers
This issue brief by the National Consumer Law Center shows how monthly reporting of utility payments to the "Big Three" credit reporting agencies may actually hurt low-income consumers. Read More


Credit Reports & Credit Repairs: Articles



IN THE NEWS

The Future of Wall Street Regulation Is in Andrew Cuomo's Hands
New York Governor Andrew Cuomo must soon appoint a replacement superintendent for the state Department of Financial Services (DFS), an obscure regulatory position that the current head, Benjamin Lawsky, elevated into a major national player over the past four years. Read More

Conflicting Comments Delay Court's Debt Default Plan (Sign in required)
The courts need additional time to digest more than 300 pages of analysis and criticism of the rules submitted by government officials, bar groups, the consumer finance industry and law firms specializing in debt collection, said office of Court Administration spokesman David Bookstaver. Read More


Credit Reports & Credit Repairs: In the News



POLICY ADVOCACY

Empire Justice Memo: Protect Consumers from Fraudulent Auto Financing
A.7930-a/S.5506-a would amend section 302 of the personal property law, and will have a considerable positive effect on New York State consumers who are defrauded by auto dealers when obtaining automobile financing. Read More

Empire Justice Memo of support: The Misuse of Credit History Information Must be Restricted
Employers are increasingly checking prospective, as well as current employees’ credit histories. The practice blocks qualified applicants from desperately needed jobs and advancement. It also impacts people whose credit reports contain erroneous information, sadly, not an uncommon occurrence. 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




TRAINING AND EVENTS

How the Bankruptcy Laws Can Help Your Client Survive Consumer Debt
This program provides a practical overview of federal and NYS bankruptcy laws. It shows non-bankruptcy practitioners how to effectively help their low-income clients survive consumer debt. Read More




RESOURCES

Top Ten Ways The CFPB Can Help You With Financial Questions
The U.S. PIRG Education Fund has put together this great resource of how the CFPB can help you. It includes information on how to make complaints to the CFPB. Read More

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

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