The coronavirus pandemic has been a mental and physical drain for Americans. And during this global crisis, many consumers faced the added stress of dealing with financial services companies that didn’t always follow the rules or were slow to move when the federal government suspended certain loan payments during the pandemic.
The CFPB’s annual consumer response report reveals that credit report inaccuracies more than doubled during the pandemic, signaling dissonance between the laws that were introduced to help consumers during the pandemic, and how servicers reported suspended payments to the credit bureaus.
And it sometimes left consumers to deal with the consequences on their own.
Pandemic Forbearance Periods Caused Credit Report Headaches
The CARES Act, passed in March 2020, gave legal protection to consumers by providing loan forbearance periods on federal student loans and federally-backed mortgages.
Under the act, consumers were given the option of not making payments on their loans without suffering any credit-related consequences, like late payments and delinquencies (both of which can decrease your credit scores by dozens of points). These lapsed payments were to be treated simply as payment suspensions—or, in some cases, still count as payments, such as under the PSLF program with federal student loans.
Although the federal government created these new guidelines to protect consumers from negative credit implications during the pandemic, some servicers were slow to implement new processes for how to properly report the suspended payments. Wells Fargo, for one, went as far as providing blanket forbearance; some customers saw their loans marked as negatively impacted by Covid-19 and their credit scores drop even though they didn’t request the forbearance and continued making payments.
Credit reports are the official record of your credit history and include a detailed look at loan balances, credit utilization and payment history. These reports are used by credit scoring companies and lenders to determine your credit scores, which is a number that may be used by lenders (along with your reports and other factors, like your debt-to-income ratio) to determine whether they should lend money to you, and at what cost.
Your credit may be important for other big life decisions, too. Landlords may access a version of your credit reports when deciding whether to rent an apartment to you. Some employers may check your credit before offering you a job.
Before the pandemic, the CFPB handled approximately 350,000 consumer complaints annually. In 2020, the bureau received more than 540,000 consumer complaints.
The CFPB report says that consumer credit reporting complaints increased a staggering 129% from the prior two years’ monthly average, for a 2020 average of more than 23,400 per month. Complaints specifically about credit report inaccuracies increased 147% from the prior two years’ monthly average.
The CFPB report also found that student loan borrowers and eligible mortgage borrowers both saw their credit scores drop during the pandemic, either for being automatically enrolled in forbearance without asking or for their continuing payments not being accurately counted during the forbearance period.
For consumers who opted into these forbearance programs but ended up with errors on their credit reports, inaccuracies like these could have a huge impact on their lives. In some cases, potential lenders view these marks negatively and may decline to lend to these consumers.
Some servicers, such as student loan servicers, corrected the inaccurate reporting on their own—but consumers should still review their credit reports to be sure.
Filing a dispute with a credit bureau can be a time-consuming task that doesn’t always guarantee having the error removed from a report. But when successful, doing so results in having the error removed, which can increase your credit scores.
The credit reporting industry refutes the CFPB report’s findings, stating they’re the product of third-party spam in the complaint portal.
“We do not believe the complaints in the CFPB database are an accurate reflection of consumers’ experiences with credit reporting agencies,” says Francis Creighton, president and CEO of the Consumer Data Industry Association (CDIA), which represents the major credit reporting agencies, in a statement emailed to Forbes Advisor. “Over the last year, America’s credit reporting agencies have seen an increase in complaints submitted by organizations like credit repair companies. Many of these companies misrepresent their ability to help consumers through unfair, deceptive and abusive practices. They essentially spam the complaint portal, making it difficult to help consumers with legitimate problems.”
The CFPB report, however, addresses third-party abuse of the complaint portal, stating “The Bureau takes steps to identify third parties who may be misusing the Bureau’s complaint process and, when appropriate, discontinues processing future complaint submissions from those sources.”
The CDIA continues to dispute the CFPB’s report, though, saying the credit reporting bureaus have processes in place to determine whether something is a legitimate dispute, including systems to examine IP addresses, the ability to determine spoofed email addresses, measures of the volume of complaints coming from the same fax number or the use of identical form language.
How to Check Your Credit Reports
The CFPB report’s findings signal how important it is to be aware of what’s on your credit reports. Though millions took advantage of automatic payment suspensions, their credit reports could portray a much different reality—and cause serious harm to their financial wellbeing.
Pulling your credit report used to be a once per-year, per-credit bureau privilege, as mandated by the Fair Credit Reporting Act (FCRA). During the pandemic, however, consumers can now access their credit reports from the three main consumer credit bureaus—Equifax, Experian and TransUnion—once a week. The free weekly pulls are available now through April 2022.
Though it might sound like a tedious and stressful process, obtaining your credit reports can be simple—if you know the correct information.
After heading to AnnualCreditReport.com, click “Request your credit reports.” You’ll then be directed to a new screen to fill out a form for one, two or all three of your credit reports. Each bureau requires its own request form/process.
You’ll need to provide information including your Social Security number, current address (and a previous address if you have not lived at your current address for two years or more), and then choose which report you wish to pull, if not all three. The credit bureaus will then ask questions about loans or credit accounts you may have opened to verify your identity.
You cannot access the report you viewed after closing your browser, so make sure you save it to your desktop.
Be sure to read each page carefully. An Equifax report, for example, breaks down credit history by revolving accounts (such as credit cards), then mortgage, installment and other types of accounts. You’ll want to review each account to make sure your payments have been recorded correctly and that accounts have not been closed without your consent.
It’s also important to take a close look at hard and soft inquiries: Soft inquiries occur when lenders review your credit report for preapproval, but they don’t affect your credit score (it’s also what a service like Credit Karma does when you check your scores and reports through its platform). Hard credit inquiries are the official check when you apply for credit, and usually drops your credit score a few points.
If you see something unfamiliar, it could be a sign that someone has obtained your personal information and is conducting fraudulent activity by opening accounts under your name.
No, Your Credit Scores Won’t Be on These Reports
The most important thing to keep in mind, though, is that you want your credit report to be completely accurate so your credit scores are accurate, too. A credit score is a rating of your creditworthiness, which is how lenders determine what type of loan terms you may qualify for.
While reviewing your credit reports, you might be flipping the pages wondering, Where is my credit score?
The answer is a bit counterintuitive: Your credit scores aren’t recorded on your credit report.
Equifax, Experian and TransUnion are private companies that collect and maintain information about consumer credit. This information is then used by credit score modeling companies, such as VantageScore and FICO, to determine your credit scores. You can have multiple credit scores, and each company has their own way of calculating scores, so not all of your credit scores will be the same (although they typically use the same underlying information on your reports to calculate your scores).
Lenders may also have their own credit scoring models.
How to Fix Errors On Your Credit Reports
Errors relating to pandemic forbearance programs include incorrect recordings of missed payments or deferments, which can be found in each account section of a credit report. Some forbearance programs started as early as March 2020 and are still applicable, including federal student loan forbearance.
If you find an error on your credit report, get ready to roll up your sleeves: Errors can be tough to remove. The FCRA gives consumers the right to dispute incorrect or incomplete information on their credit reports, and requires bureaus to correct it.
The FCRA makes credit reporting companies and information providers responsible for correcting inaccurate or incomplete information on a credit report. The Federal Trade Commission lists the steps consumers can take to correct credit report errors:
Write a dispute letter to the credit reporting company. Include the information you think is inaccurate on your credit report, such as a recording of a missed payment during the forbearance period. This information will be found on your credit report under the payments section for the specific loan or credit account. The FTC provides a sample dispute letter template here and advises consumers to include copies of any documents that support your dispute, while also explaining why you dispute the information and explicitly request that it be corrected.
Be sure to send this letter by certified mail with a return receipt requested so you know exactly when the credit reporting company received it. All three of the major credit bureaus also have online options to file credit report disputes, and third party credit monitoring apps including Credit Karma sometimes allow you to file disputes directly through their platform.
The credit bureau must investigate the items in question, usually within 30 days, unless it considers your dispute to be “frivolous”—meaning it’s not a serious or real dispute. The credit bureau is also required to forward your information about the inaccuracy to the organization that provided it, such as a credit card company or loan servicer. If that organization finds the disputed information is in fact incorrect, it must notify all three bureaus so they can fix the information in your credit report.
Obtain results from the credit bureaus investigation. Credit bureaus are required to give you the results of their investigation in writing, as well as a free copy of your credit report(s) if your dispute results in a change.
Request notices of correction. If your dispute is successful and a change to your credit report is made, you can request the credit reporting company to send notices of any corrections to anyone who received your credit report in the past six months. You can also request a corrected copy be sent to anyone who received a copy during the past two years for employment purposes.
Request a statement of the dispute be included in your file and future report. If your dispute is unsuccessful, meaning the credit reporting company doesn’t resolve the error, then you should request a statement of dispute to be included in your file and future reports. This statement will indicate that you do not agree with the recorded information and you made an attempt to have it removed from your report.
Write a dispute letter to the information provider. In addition to the steps listed above, be sure to inform the information provider (such as a credit card company or loan servicer) that you’re disputing incorrect information on your credit report. Use the same sample letter as the one used to inform the credit reporting companies. The process of investigation will be the same, and the information provider will have to inform the credit reporting company of your dispute if it’s found to be correct, and it will also be required to tell the credit reporting company to update or delete the inaccurate item.
Black Beauty Expo celebrates the queens; Beer Fest quenches thirsts
Seven days out is your guide to entertainment events, concerts, festivals and activities in Escambia and Santa Rosa County.
Monday Night Blues
7 p.m. Monday, June 14. Seville Quarter, 130 E. Government St. Seville Quarter and the Blues Society of Northwest Florida are bringing the “blues” back to the Seville Quarter Entertainment District. The event features live blues music and “BBQ and Bud” food and drink specials. More info: 850-434-6211 or sevillequarter.com.
Ghost & Graveyards Tour
5:30 p.m. Tuesday, Thursday and Saturday, June 15, 17 and 19. Go Retro, 610 N. Spring St. From fear to laughter and somewhere in between, Go Retro offers the ultimate Halloween experience for adults. This riding tour covers a wide area with stops in the Commercial Business District, Seville, Sanders Beach, North and West Hill. There is a stop at a cemetery and sometimes the driver can arrange for you to visit a haunted house. Designed for mature audiences; parental guidance is strongly advised. More info: 850-466-5220.
Bands on the Beach
7 to 9 p.m. Tuesday, June 15. Gulfside Pavilion at Casino Beach, Pensacola Beach. Pensacola Beach’s popular outdoor summer concert series with performers for every musical taste. Featuring a lineup of regional artists, Bands on the Beach delivers an eclectic musical experience throughout the entire summer. This week features Elvis Remembered with Shane Tucker. Spectators are encouraged to bring lawn chairs and blankets. Free. More info: 850-932-2257 or visitpensacolabeach.com.
Tuesday Night Jazz
7:30 p.m. Tuesday, June 15. Seville Quarter, 130 E. Government St. Enjoy jazz with Melodious Allen and The Funk Heads in Lili Marlene’s. More info: 850-434-6211 or sevillequarter.com.
Tunes by the Dunes Summer Concert Series
7 p.m. Thursday, June 17. Sand Crab Pavilion, Navarre Beach Park, 8649 Gulf Blvd., Navarre. Tunes by the Dunes is a free summer concert series hosted by the Navarre Beach Area Chamber of Commerce. Enjoy a relaxing evening at the Sand Crab Pavilion for live local music and food vendors. Spectators are encouraged to bring beach blankets and lawn chairs. This week features Platinum Premier Band. Free. More info: 850-939-3267 or navarrechamber.com/tunes-by-the-dunes.
Bud Light Fishing Rodeo
Friday through Monday, June 18 through 21. Flounder’s Chowder House, 800 Quietwater Beach Road, Pensacola Beach. Cash awards and prizes await the angler who weighs in the top three fish in 21 different species. In addition to the rodeo, there is the Step One Automotive King Mackerel Challenge with a separate buy-in and cash and prizes awarded to the boat that brings in the biggest king mackerel. There also is the In-Shore Challenge and the Academy Sports and Outdoors Junior Rodeo. The weigh-in will take place from 2 to 7 p.m. Saturday and noon to 6 p.m. Sunday. Admission: Prices vary on type of fishing; free for kids. More info: 850-434-2800.
7:30 p.m. Thursday through Saturday and 3 p.m. Sunday, June 18 through 27. Pensacola Little Theatre, 400 S. Jefferson St. At a large, tastefully appointed Sneden’s Landing townhouse, the deputy mayor of New York has just shot himself. Though only a flesh wound, four couples are about to experience a severe attack of farce. Gathering for their 10th wedding anniversary, the host lies bleeding in the other room, and his wife is nowhere in sight. His lawyer, Ken, and wife, Chris, must get “the story” straight before the other guests arrive. As the confusions and miscommunications mount, the evening spins off into classic farcical hilarity. More info: 850-432-2042.
11 p.m. to 2 a.m. Friday and Saturday, June 18 and 19. DeLuna Lanes and Peter B’s Sport Grill, 590 E. Nine Mile Road. Cosmic Bowling is glow-in-the-dark bowling with a dance club atmosphere. The event features a light show, fog machine, and music. Before Cosmic starts on Saturday nights, attendees can enjoy karaoke in the sports grill. Admission: $12. More info: 850-478-9522.
Black Beauty Expo
10 a.m. Saturday, June 19. Onyx Event Space, 4400 Mobile Highway. The Black Beauty Expo is a gathering that allows for Black women on the Gulf Coast to encounter new products, network, learn, and connect. This year’s theme is all about the #Queendom. The expo features guest speakers discussing health, hair, beauty and politics. VIP ticket holders enjoy access to The Beauty Bar, where they can receive free services from local licensed beauty professionals and the Brand Builders Level Up Room, where classes will be held on credit repair, homeownership, investments, and brand building. Free for general admission. VIP: $20. More info: 850-446-8436.
GOAT Offshore Kayak Fishing Tournament
5:30 a.m. Saturday, June 19. 8649 Gulf Blvd., Navarre. GOAT is an international kayak fishing event, showcasing Navarre as the premiere fishing destination of Florida. Watch the fish weigh-in at Windjammers by the Pier, along with live music starting at 3 p.m. More info: goatkft.com or [email protected]
Baby Shark Live!
2 p.m. Saturday, June 19. Pensacola Bay Center, 201 E. Gregory St. Baby Shark Live! is based on Pinkfong’s viral earworm and global dance phenomenon, Baby Shark. Fans of all ages will delight as Baby Shark joins up with his friend Pinkfong to take an adventure into the sea, singing and dancing through new and classic songs including Five Little Monkeys, Wheels on the Bus, Jungle Boogie, Monkey Banana Dance and, of course, Baby Shark. Tickets: $49.50, $44.50, $39.50. More info: 850-432-0800.
Fish House Craft Beer Festival
3 p.m. Saturday, June 19. The Fish House, 600 S. Barracks St. The annual Craft Beer Fest will feature more than 50 beers with a portion of the event proceeds benefiting Big Brothers Big Sisters of Northwest Florida. Tickets: $30. For ages 21 and older. More info: 850-912-6622.
Bet Your Life Casino Murder Mystery Dinner Show
6 p.m., doors; 7 p.m., show; Saturday, June 19. Seville Quarter, 130 E. Government St. You’re attending a promotional gathering for the final round of the Champion’s Hall International Poker (C.H.I.P.) tournament. With such high stakes something is bound to go wrong, but when someone winds up dead it will be up to you and Detective Gunn to go all in and solve the case. Tickets: $59. More info: 850-434-6211 or sevillequarter.com.
Youth Talent Show
7 p.m. Saturday, June 19. The Gordon Community Art Center, 306 N. DeVilliers St. All youth ages 8 to 18 are invited to share their talent at the Gordon Community Art Center’s Youth Talent Show. Three judges will score and encourage the performers. All performers will receive a prize. The top three scores will receive an award of $50, $30 or $20. Admission: $2 entry fee (includes one complimentary ticket); $5 general admission. More info: 850-857-8961.
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How Do Credit Repair Companies Work? The Top Services To Improve Your Credit Score Fast – CreditFixed – Online Free Press release news distribution
Davenport, United States, 06/11/2021 / CreditFixed /
In recent years, many Americans have been struggling with their credit. As a result, there has been an increase in people looking for help to correct errors on their poor credit reports and get back on track. With so many credit reporting companies out there promising quick fixes and miracles, it can be challenging to figure out which one is the best credit repair company for you. That’s where CreditFixed comes in.
CreditFixed is an independent consumer financial protection bureau established with the mission to provide their readers with well-researched and informative articles about credit repair. They have tested many credit repair companies that offer real solutions and results to help you make the best decision for your financial future.
selected the best credit repair services for their most significant pros and cons, fair credit reporting act, main complaints from past customers, credit repair packages and pricing offered by each company they review, as well as creditor interventions.
7 Best Credit Repair Companies Recommended By Creditfixed.Com:
With a success rate of 56 million items removed and 500,000+ users since 2004, Lexington Law is still the industry’s leading credit bureau with the highest download on App Store. Their credit repair process is done by experienced lawyers who want to help you rebuild your report. However, there are no guarantees of success.
Credit Saint offers free credit evaluations with a 90-day money-back guarantee. They are missing a mobile app for credit monitoring. Still, they have the highest rating from Better Business Bureau as a proof of a legitimate credit repair company and provide transparent information about how many challenges their member has faced.
Sky Blue Credit Repair
Sky Blue Credit offers free credit counseling and a 90-day money-back guarantee, winning the heart of their clients as one of the most legitimate credit repair companies. They have been in the business since 1989, and it offers a $79 monthly fee for 15 disputes.
Credit Repair provides free consultation through their attractive website and easy-to-navigate mobile app that has FICO score tracker. This credit repair service uses personal finance tools and credit repair software such as InquiryManager. The primary drawback is that their credit repair packages come with an initial upfront cost, and there’s no guarantee of success.
The Credit Pros
Founded by Jason Kaplan, this credit repair agency partners with FICO-certified experts for tailored and personalized services and identity theft protection. They offer a free credit consultation but sadly do not offer any guarantees.
The Credit People
Unlike most credit repair companies, this credit repair organization offers $79 one-package offer with unlimited disputes and a guaranteed result in 60 days.
Ovation Credit Services
Slightly different than the other credit repair services, Ovation Credit offers one-on-one assistance from a personal case advisor with fast track service.
Is Credit Repair Companies Worth It?
There is no credit repair company without its pros and cons, so it is essential to know what you’re looking for before deciding to use one of the platforms. The most popular benefits about hiring these services include:
– A higher FICO Score
– Higher chances of approval when seeking loans or mortgages in the future
The drawbacks associated with credit repair agencies may vary depending on what your goals are, as they can be costly if not watched closely. This comes down to how much risk someone is willing to take on by opening up new accounts at high rates while repairing their credit scores.
CreditFixed is run by Gerald Dunigan, a 13-year experienced finance consultant specializing in the credit repair industry. Their mission is to provide well-researched articles to help users find the best options to fix their bad credit reports and avoid credit repair scams. Check on more information on their website, https://creditfixed.com.
Release ID: 16225
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6 Things to Consider Before Hiring a Credit Monitoring Company
(MENAFN – Outreachxpert Ltd)
Hiring a credit monitoring company to track your credit score is an ideal strategy in debt management, as it enables you to be up to speed with your FICO credit scores. Most importantly, in case of identity theft, you also protect yourself from any possible credit fraud.
A credit monitoring company can dispute a credit report on your behalf and notify your credit company about fraudulent transactions that you may not be aware of. If this is recorded on time, your credit score can be repaired and restored on time to give you back control over your finances.
As you identify a credit monitoring company to work with, below are important factors to consider: –
1. Reliability and Timeliness
A credit monitoring platform should alert you in real-time whenever there is any change in your credit report. According to NBC News, 60% of complaints on credit bureaus are about erroneous entries on credit reports captured during the credit pre-approval processing. The complaints result in delays in approvals, costly follow-ups, and sometimes credit declinature.
To avoid such inconveniences, you should only consider credit monitoring platforms that track your credit score in real-time and alert you of any changes within a few minutes.
Pricing is vital since you should only sign up for a credit monitoring service that you can afford. Most platforms offer different plans covering select services such as credit card reports, dark web surveillance, information breach notifications, social media insights, identity theft insurance, and more.
The vital consideration is to ensure that the service that you opt for covers your areas of vulnerability. For instance, if you are an Instagram fashion influencer, you should consider a credit monitoring service that tracts identity and credit card theft on the social media platform.
Pricing largely determines the benefits available, but there are hundreds of free options to consider if you cannot afford the monthly subscription fee. However, free services only offer basic alert services, and there is no guarantee whether the notification is done in real-time.
If terms and conditions are friendly and the warranty terms are friendly, you should consider the credit monitoring service after careful consideration. For instance, one of the best platforms reimburses you up to $1m when you lose funds following identity theft. On the other hand, other applications can offer identity restoration services in their packages, which is ideal, especially if you have a busy schedule and don’t have spare time to follow up with specialists after identity theft or credit fraud. Furthermore, some applications offer credit repair services to help you improve your FICO credit score after a breach.
The options are unlimited, but the strategy of getting the best credit monitoring services is to identify your vulnerabilities first before finding a service with optimal benefits.
4. Ease of Getting Credit Reports
The Federal Law compels the three credit agencies to give credit reports for free once a year. But the intervals are far apart, and you cannot rely on them if you want to track your credit score. When signing up for credit monitoring, one of your considerations is the frequency of getting the credit report, whether monthly, quarterly, annually or twice a year.
Most importantly, you should generate your credit report from the platform with ease whenever needed.
5. Terms and Conditions
Data protection conditions should be central for any credit monitoring site, given the sensitivity of financial and personal information. Hence, you should read the terms of the agreement, and there should be a declaration where it states that your data shall not be shared with another party without your consent.
While state data protection laws are consumer-centric, you should always take your time before checking the box for agreeing to the terms and conditions.
6. Ensure That the Company Is Licensed, Bonded, and Insured
A licensed credit monitoring company is accredited and allowed to transact the class of business at the federal and local levels. This is the first sign that the service offered is legitimate. Secondly, you should only consider companies that are insured. When a company is indemnified, you can recover your fiscal loss following a breach of professional duty. On the other hand, Bonded is an assurance that you may be compensated once the credit management company fails to perform a specific duty within the promised time. For example, alerting you in real-time about a suspicious transaction fails to perform a particular duty as per the sales contract.
Legal Disclaimer: MENAFN provides the information “as is” without warranty of any kind. We do not accept any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information contained in this article. If you have any complaints or copyright issues related to this article, kindly contact the provider above.
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