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It’s one of the most crucial indicators of your financial health — and for one in five people, it’s got an error on it.

So if you haven’t checked your credit report lately, experts say now is the time to do it.

As the coronavirus pandemic batters the economy, lenders are raising their standards to protect themselves. So having a bad credit report right now could lock you out of a debt management opportunity, like refinancing your mortgage or getting a personal loan. It could also ding your future prospects when you’re ready to buy a home or open a high-tier credit card.  

“It shouldn’t take a pandemic for people to get into good money habits, which includes regularly checking your credit. It’s always important to know what’s on your credit report. Right now, there might be an emphasis or some urgency to really check it out,” says Douglas Boneparth, president and founder of the New York–based financial planning firm Bone Fide Wealth. “That’s predicated on this notion that people are looking for ways to access liquidity and cash, should the worst happen like having a loss in income.”

Recognizing this, the three major credit bureaus — Equifax, Experian and TransUnion — are now offering free weekly credit reports online, making it easier than ever to check and make sure your credit report is accurate. 

It’s worth taking 15 minutes to do it: One in five people are likely to find at least one mistake on their credit report, according to a study published by the Federal Trade Commission. And recent data from the Consumer Financial Protection Bureau shows that credit reporting is the agency’s most common complaint, with the majority (61%) saying the complaint was due to incorrect information on their credit reports. Companies closed 72% of complaints with an explanation, 18% with non-cash relief, and 0.3% with cash relief within 2018. 

Here’s what you need to know about checking your report — and if you find something’s off, use our email template below to fire off a complaint. 

What Are Credit Reports and How Do They Work?

Your credit report tells your financial story to lenders, and it allows them to make informed decisions about your creditworthiness. 

“Your credit report is like a report card that grades how well you manage your financial obligations,” says Bruce McClary, vice president of communications for the National Foundation for Credit Counseling. 

There are three credit bureaus that publish these reports: Experian, TransUnion, and Equifax. These bureaus report information from your lenders such as payment history, balanced owed, and whether you’re paying on time. If you pay your bills on time and keep your balances low, you’ll have a higher score. Conversely, if you miss payments regularly, you’ll have a lower credit score. 

Potential lenders use one or multiple reports to verify your information. They’ll also use this information to determine if you’re eligible for financing and if you are what your terms should be. Therefore, monitoring your credit reports is an essential way to stay on top of the information presented to prospective lenders. 

How Often Should I Check My Credit Reports?

Normally, experts advise checking your report at least once or twice a year as a good practice. That’s how often the three credit bureaus typically offer free reports. Checking your own credit is considered a soft inquiry, which means it will not hurt your credit score.

But the pandemic has created a new normal, and all three major credit bureaus are allowing people to check their credit reports on a weekly basis until April 2021. Deciding when to check your credit can be puzzling, but it ultimately comes down to how confident you are about your credit history. For some, checking it once a year is enough, while others may prefer to check it weekly because of the pandemic. 

“At times like these, you should anticipate things perhaps falling through the cracks,” Boneparth says.

Boneparth says checking your credit report every week may be a little excessive, but that it could also be a useful tool for anyone who has suspended or deferred payments to make sure lenders are marking their credit history correctly. 

“Banks are allowing customers to either defer or reduce payments, and the concern may be that those payments would be marked as delinquent instead of current,” Boneparth says. “For individuals who are taking their financial institutions up on whatever offers to do that, it could make sense to more regularly check your credit report to make sure everything is the way it should be.”

During normal circumstances, Boneparth recommends consumers check all of their credit reports at least once or twice a year. There’s also the option to pull one report every four months by rotating the agencies.

By doing this, you can stay on top of your information and it allows you to promptly address any inconsistencies found on your credit reports. 

All Credit Reports Don’t Present the Same Information 

When glancing at each report, it’s important to double-check the accuracy of your personal information.

“If they have your income lower than what it’s supposed to be, then it could impact your credit, especially if you carry higher balances on your credit cards,” says Michael Zahaby, adjunct of finance for Florida Gulf Coast University. Along with verifying personal information, you’ll want to make sure each of your lenders properly reports your payment history and balance information. 

Moreover, when checking your credit, there’s a section for inquiries. This is where if you applied for a loan the inquiry shows up on one or more of your reports. 

It’s important to note the information presented on all three of your credit reports might not be consistent with each other. Some lenders might only report to TransUnion while others report to Equifax. So, don’t be surprised if one account doesn’t show up on all three reports. 

Another way things could be confusing is when you apply for a retail credit card. The inquiry comes up as the bank issuing the card, not the retailer (i.e., Synchrony Bank for Amazon) so don’t be alarmed when this happens. However, if you noticed any errors in one of your credit reports, it’s important to address them right away.

How Do I Dispute Incorrect Information on My Credit Reports?

You may be wondering where to start when it comes to disputing any mistakes on your credit report. First and foremost, you should immediately contact the credit bureau(s) about your concerns through a traditional letter or email. Without proper notice, credit bureaus won’t know to correct any errors on your credit report. 

“It’s not illegal for the credit bureaus to report inaccurate information, but it’s illegal for them not to correct it when given proper notice,” says Rob Harrer, an attorney for the Chicago Consumer Law Center.

It’s important to tell your credit bureau in writing what information you believe is inaccurate. The Federal Trade Commission provides a comprehensive example of what to include in a dispute letter to a credit bureau.

When making a dispute, you’ll also want to include any documentation supporting your claim. For example, if a creditor reports you didn’t make a payment but you did, then you can show proof by furnishing a bank statement.

“At the end of the dispute letter, state exactly what you want done in a concise sentence,” Harrer says. “For example, ‘Please perform a reasonable investigation and delete the account from my report.’ I like putting in the “reasonable investigation” because that’s the language in the FCRA (Fair Credit Reporting Act) so if it ever goes to court there’s less room to monkey around.”

If you’re stuck on what to say in a dispute letter to a credit bureau, this email template will help you spot and fix mistakes in your credit report.

[Your Name]
[Your Address]
[Your City, State, Zip Code]

[Date]

Complaint Department
[Company Name]
[Street Address]
[City, State, Zip Code]

To Whom It May Concern:

I hope this [email or letter] finds you well. I am reaching out to dispute the following information on my credit report from [give the name of the credit reporting company whose report has incorrect information]. Given that, the items I am disputing are circled on an attached copy of my credit report.

[Numerically list the items you intend to dispute]
Item 1: This item [identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.] is [inaccurate or incomplete] because [describe why]. I am requesting that the item be removed [or request specific change] to correct the inaccurate information.

[Repeat the paragraph above if they are more items to dispute]

I have enclosed copies of [any enclosed documentation, such as financial records or court documents] supporting my claim. Please perform a reasonable investigation and [delete or correct] the disputed item(s) from my report as soon as possible.

Sincerely, 
[Your Name]

Enclosures: [List what you are enclosing]

Zahaby recommends confirming everything in writing, including phone conversations with a lender and to jot down names of any representatives you speak to about the dispute. With these things in mind, here’s a closer look at how each bureau handles disputes:

Experian

Experian allows you to file a dispute online or via mail. When filing a dispute, you’ll want to provide the following information:

  • Personal information such as name, address, and Social Security number
  • A copy of a government-issued ID
  • A copy of a utility bill (to verify current address)
  • The lender, account number, and reason for dispute

Equifax

Equifax also allows you to file disputes online or through the mail. Similar to Experian, you’ll want to provide your personal information, a copy of a government-issued I.D., and the lender, account number, and reason for the dispute in writing. 

TransUnion

TransUnion also allows you to file a dispute online or through the mail. Similar to the other two, you’ll want to present your case in writing with all the supporting documents, as well as a copy of your government I.D. to expedite processing. 

Pro Tip

Take 15 minutes to run your credit report (for free!) at the three major credit bureaus, and use the template above to report any mistakes.

What Happens After I File a Dispute?

Once you file all the paperwork, the credit bureau(s) reach out to the lender with the dispute to have them verify the information they reported. If they find they made a mistake in reporting, they usually have to correct it within 30 days. However, the CFPB says the usual waiting period may be extended to 45 days as a result of the pandemic, as long as “the consumer provides additional information that is relevant to the investigation during the 30-day period.” Once they do, the credit bureau sends you a corrected report. 

Why Is It Important to Check My Credit Reports?

Your credit report is an important measure of your financial health — the main thing standing between you and getting approved for a credit card or loan. That’s why it’s important to be proactive and check up on your credit reports often. The pandemic has led credit bureaus to temporarily loosen their normal standards and make credit reports more accessible, with the option to access it as often as once a week for the next year.

By doing this, you can stay on top of important financial information that affects many parts of your life. And if you’re worried you’ll impact your credit by checking it often, don’t be. Checking your own credit score is considered a soft inquiry, which means it won’t raise any red flags on your credit history. 

Catching errors early on your credit report will save you a lot of headaches when it comes time to make large purchases, such as buying a home or a car. 

“It’s always better to come at anything in your financial life from a proactive position rather than a reactive position,” Boneparth says. 

By following best practices when filing disputes, you’ll significantly better your chances of having incorrect information removed from your credit report. You may not need credit today, but making sure your credit report is accurate will make your life easier down the line — and as long as you’re checking your report through the three credit bureaus, doing so won’t hurt your credit. In fact, it can only help. 

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Euronext News Today – Elliptic Labs AI Virtual Proximity Sensor INNER BEAUTY® Shipping on Xiaomi’s Top-Selling Redmi Note 10 and Note 10s Smartphones

OSLO, Norway–(BUSINESS WIRE)–Elliptic Labs (EuroNext Growth: ELABS.OL), the first company to utilize software to replace infrared hardware sensors in smartphones, is announcing another design launch with Xiaomi (HKSE: 1810.HK), the world’s third largest smartphone manufacturer. Powering both Xiaomi’s top selling Redmi Note 10 (Qualcomm Snapdrdagon 678 chipset) and Note 10s (Mediatek Helio G95 chipset) smartphones with the software-only AI Virtual Smart Sensor Platform, Elliptic Labs’ AI Virtual Proximity Sensor INNER BEAUTY enables the Redmi Note 10 Series elegant bezel-less designs. Starting with the initial Redmi Note launched in 2014, the Redmi Note series has now shipped over 200 million units globally across its lifetime. Elliptic Labs has previously announced the contract win related to this launch.

“The versatility and value of Elliptic Labs’ AI Virtual Smart Sensor Platform has been demonstrated repeatedly by Xiaomi’s adoption throughout its smartphone portfolio,” shared Elliptic Labs’ CEO Laila Danielsen. “The latest Xiaomi product line to benefit from the AI Virtual Proximity Sensor is the Redmi Note series, which has been recognized as one of the best selling smartphones models in the industry. Powering Xiaomi’s broad range of phones, from the flagship Mi 11 to the mass-volume and best selling Redmi Note line, truly shows the AI Virtual Smart Sensor Platform’s powerful capabilities to apply any device’s existing hardware sensors to create meaningful and high-performance experiences.”

About Elliptic Labs

Elliptic Labs is headquartered in Norway with presence in the USA, China, South-Korea, Taipei, and Japan. Founded in 2006 as a research spin-off from Norway’s Oslo University, Elliptic Labs filed its IPO with the Euronext Growth Market in October, 2020. Elliptic Labs is now a global enterprise targeting the smartphone, laptop, IoT, and automotive markets. The Company’s patented AI software combines ultrasound and sensor-fusion algorithms to deliver intuitive 3D gesture, proximity, and presence sensing experiences. Its scalable AI Virtual Smart Sensor Platform creates software-only sensors that are sustainable, eco-friendly, and already deployed in over 150 million devices. Elliptic Labs is the only software company in the market that has delivered detection capabilities using AI software, ultrasound and sensor-fusion deployed at scale. Elliptic Labs’ technology and IP are developed in Norway and solely owned by the Company.

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Judge Says Navient Misled Student Loan Borrowers—What This Means For Your Student Loans

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Navien
NAVI
t, the nation’s largest student loan servicer, just got some bad news.

Here’s what you need to know — and what it means for your student loans.

Student Loans

According to a Washington state judge, Navient — which manages $300 billion of private and federal student loans for 12 million student loan borrowers — deceived borrowers and their cosigners who sought to be released from their student loans. According to Washington Attorney General Bob Ferguson, the judge’s order issued yesterday says that:

  1. Deceptive Practices: Navient engaged in deceptive practices regarding its cosigner release policy;
  2. Consumer Protection: Navient violated the Consumer Protection Act;
  3. Cosigners: Navient promoted co-signer release for private student loans, but misrepresented the way Navient implemented the program; and
  4. Cosigner Release: Navient didn’t disclose that it’s difficult to get a cosigner release.

This is the first time that a judge ruled that Navient violated a consumer protection law since a state attorney general or consumer protection agency sued Navient. For context, a cosigner is a family member, spouse or other individual who assumes equal financial responsibility for your student loans when you have a limited credit history or bad credit. Often, the cosigner has strong credit and income, which can not only help you get approved for student loans, but also can help you get a lower interest rate. The goal of a cosigner release is for you to demonstrate enough financial responsibility through student loan repayment that your student loan servicer will release your cosigner from any further financial responsibility. Once you make multiple, on-time, consecutive student loan payments (typically for 12 to 48 months), your student loan servicer can release your cosigner. However, Ferguson says this didn’t necessarily happen, particularly for student loan borrowers who paid their student loans in advance. For example, Ferguson alleges that:

  • Even if you made on-time, consecutive student loan payments with Navient, you may not have gotten a cosigner release.
  • Let’s assume your monthly student loan payment is $100.
  • If you make a one-time, lump-sum payment of $500, the next four months would show a $0 student loan bill.
  • Let’s then assume you didn’t make any student loan payments during the next four months.
  • Even though you didn’t owe any student loan payments during months two through five, Navient didn’t count that lump-sum payment from month one as five monthly payments of $100.
  • As a result, even though your student loan account was current and paid in advance, Navient said your failure to pay each month (even with a $0 balance) would not count as consecutive monthly payments toward a cosigner release.

Ferguson’s point is that Navient didn’t disclose to student loan borrowers that failing to make a payment every month — even if you paid student loans in advance — would disqualify you from meeting the requirement to make consecutive payments and you would have to start over before you could be eligible for a cosigner release. Navient, which spun off from Sallie Mae, has since changed this policy and now counts a lump-sum student loan payment as sufficient for multiple student loan payments.

The lawsuit against Navient, which dates to 2017, isn’t over. Ferguson also alleges that Navient engaged in deceptive practices in servicing and collecting student loans as well originating risky subprime student loans to borrowers who attended for-profit colleges. Ferguson alleges that Navient misapplied student loan payments and improperly directed distressed student loan borrowers into student loan forbearance instead of income-driven repayment plans, the latter of which would have been more favorable to borrowers.

“We believe our disclosure was clear and fairly applied under Washington state law,” Paul Hartwick, a Navient spokesman, told Marketwatch. “Navient’s focus has been, and continues to be, assisting student loan borrowers to successfully repay their loans.”


What This Means For Your Student Loans

Washington State’s lawsuit against Navient is scheduled for trial in April 2022. While this order grants partial summary judgment, there are no monetary judgments at this juncture. This lawsuit should be a good reminder to check your student loans, understand your student loan payment options, and double check that your student loan payments have been applied correctly. If you have questions about your student loans, your student loan servicer typically is a good resource. In addition to managing your student loan payments, your student loan servicer can answer questions about various student loan repayment options. This includes question about income-driven repayment, student loan forbearance and cosigner release. However, you should conduct independent research to make sure you’re fully informed about all your options. Why? Your student loan servicer may not have all the answers, or they may not have the optimal solution for your unique goals and circumstances. Multiple state attorneys general, as well as the Consumer Financial Protection Bureau (CFPB), have sued Navient based on similar allegations. If you have an issue with your student loan servicer, you can contact the CFPB — Office of Student Loan Ombudsman, the U.S. Department of Education / Federal Student Aid, the Federal Trade Commission (FTC), your state attorney general, or your state’s department of education.

As you navigate student loan repayment, here are some potential options to consider:


Student Loans: Related Reading

17 million won’t get stimulus checks—expect the same for student loan cancellation

Student loan cancellation excluded from new stimulus package

Student loan cancellation less likely if stimulus checks get cut

Bernie Sanders: Let’s cancel student loans without Republicans

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Loans Bad Credit Online – Loans Bad Credit Online – Loans Bad Credit Online – Bad Credit Credit Cards – Consumers Paid Down Credit Cards Again! By Most Ever. But Cash-Out Refis Spiked to Highest since 2005/6 Peaks. What Gives? | Fintech Zoom | Fintech Zoom | Fintech Zoom | Fintech Zoom

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Bad Credit Credit Cards – Consumers Paid Down Credit Cards Again! By Most Ever. But Cash-Out Refis Spiked to Highest since 2005/6 Peaks. What Gives?

They’re not the same consumers.

By Wolf Richter for WOLF STREET.

There is no monolithic American consumer. Each does their own thing. And the folks with credit card debts and other revolving credit such as personal loans – all of it high-interest rate debt – paid them down by record amounts in January, possibly using their stimulus money to do so.

And in the opposite direction, the folks who own homes have been extracting cash from their homes via cash-out refinancing their mortgages at a clip in Q4 not seen since the peak of the good old days before the housing bust in 2005 and 2006, and at record low mortgage rates while they lasted. But those two groups may not be the same people.

Paying down credit cards and other revolving credit. In January, consumers paid down their credit card balances by 3.6% from December and by 11.9% year-over-year, not seasonally adjusted, to $940 billion, according to the Federal Reserve Friday afternoon. It was the biggest year-over-year decline in the history of credit card data going back to the 1970s and blew by the year-over-year declines during the Financial Crisis:

There were only two periods in credit card history when balances dropped on a year-over-year basis, and for two very different reasons: First, during the Financial Crisis when consumers defaulted on their credit cards; and second, during the Pandemic when the government sent hundreds of billions of dollars in waves of stimulus payments to consumers, and some of this money was used to pay down credit card debts.

January is the hangover month after the holiday binge-spending-and-borrowing, and credit card balances (not seasonally adjusted) tend to drop from December as people are beginning to grapple with the consequences of their binge. Between 2013 and 2020, the decline in credit card balances from December to January averaged 2.4%. This year in January, credit card balances dropped by 3.6% from the already lowest December levels since 2016.

In dollar terms, credit card balances fell by $35 billion in January, not seasonally adjusted (red line), to $940 billion, having plunged by $153 billion from the peak in December 2019; and seasonally adjusted (green line) they fell by $10 billion in January, to $965 billion, having plunged by $128 billion from the peak in December 2019.

The cumulative two-year plunge during the Financial Crisis was larger than the drop during the first 10 months of the Pandemic. But the next stimulus packages is being put together in Congress, likely producing further drops in the future:

In the opposite direction: Cash-out Refis.

Historically low mortgages in the fourth quarter triggered a historic mortgage refi boom that exceeded the peaks before the housing bust. Amid this historic refi boom was a near-historic cash-out refi boom. According to a New York Fed report two weeks ago, the amount that homeowners extracted from their homes  in Q4 spiked to $63 billion, with borrowers on average extracting $27,000 from their homes (chart via New York Fed):

Homeowners used the proceeds from the cash-out refis to fund consumption and “investment opportunities, including home improvements,” as the New York Fed said.

So on one hand, consumers are paying down their expensive credit cards and other revolving credit; and on the other hand, consumers are borrowing a lot more against their homes.

It is possible that some folks with cash-out refis also have credit card debt and are using the proceeds from the cash-out refis to pay down their credit card debts, using historically cheap mortgage debt to pay down expensive revolving debt, and that would make a lot of sense.

But it is also possible that there is little overlap between these two groups – between those who paid down their credit cards, and those who increased their mortgage debts via cash-out refis.

In other words, it’s possible that people with credit card debts paid them down with their stimulus checks, but they may not own a home, or cannot do a cash-out refi because their credit score is too low, or because they don’t have enough equity in their home, or because their mortgage is in forbearance and/or delinquent – over 17% of FHA mortgages are delinquent, including those that were delinquent before they entered into forbearance.

So the theory that most of the cash-out refis were used to pay down expensive credit card debts doesn’t hold water. These are different consumers. As the New York Fed pointed out, the cash-out refis were mostly used to fund consumption or home improvements, such as a new deck and hot tub, which has been back-ordered because of the surge in demand, or speculative investments in what were then seemingly forever booming financial markets.

Suddenly rising mortgage rates to tango with refi boom.

Mortgage rates bottomed out in early January and have risen since then. The average 30-year fixed mortgage rate, according to the Freddy Mac benchmark index, increased from 2.65% in early January to 3.02% on average during the week ended Wednesday.  Since then, mortgage rates have further risen, which is not reflected in the data yet:

Mortgage rates remain ultra-low by historical standards, but they’re a little higher than they were two months ago – and there has now been a lot of hand-wringing in the financial markets about them, and folks have been clamoring for the Fed to do something to push down those mortgage rates, which has not been forthcoming at all.

But the more mortgage rates rise, the harder it is to make cash-out refis work. So while some consumers are creating a little extra room on their credit card for future consumption, other consumers will find cash-out refis to fund consumption more expensive and difficult to do.

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