The next chapter in the Medical Debt Saga. In January 2025, the Consumer Financial Protection Bureau (CFPB) finalized a rule that would have removed medical debt from credit reports and prohibited lenders from using medical information in credit decisions. The rule aimed to help around 15 million Americans and eliminate about $49 billion in medical debt from credit reports. It was […]
17
Jul
Jul
I Want To Buy, Now! Are you preparing to purchase a home in the next few months? It seems that when we are not looking, a home just pops up and finds us, at a time when we were not even contemplating making a move. Then, boom! The rush is on to beat the clock […]
15
Jul
Jul
How Could You Be Hurting Your Credit? The more you know about how credit works, the better your score will be. This is because, without a lot of background knowledge, your own logic and reasoning will oftentimes fail you. There are a lot of factors that go into creating your credit score, so trying to […]
01
Jul
Jul
How Do Negative Items Affect Me? Negative items on your credit report could be what separates you from that home loan you hoped for or a decent financing for a vehicle. The good news is that if you happen to have these negative items on your credit report, there are still wats to mitigate their […]
19
Jun
Jun
From Gen Z to the eldest “Silent Generation, most seem to be managing their credit pretty well. Experian’s latest data from the second quarter of 2023, the average credit score is 716. Most American’s credit scores are floating near or that average. For members of Gen Z, defined as those between 18 and 26, the average credit score […]
16
Jun
Jun
As a law firm dedicated to credit repair and the protection of consumer rights, we understand the complexities surrounding credit reporting. In this article, we are going to focus to crucial components of the dispute process: Automated Consumer Dispute Verification (ACDV) and Automated Universal Dataform (AUD). Our commitment to educating consumers and advocating for their […]
15
May
May
The federal government resumed collections on defaulted federal student loans starting May 5, 2025, marking the first time in five years that such collections have restarted after pandemic-related pauses. This means the Department of Education can now garnish wages, tax refunds, and even Social Security benefits of borrowers whose federal student loans are in default—defined […]
24
Apr
Apr
Credit Alerts Worth Setting Up Now In order to maintain great credit scores, keeping track of all the activity on your accounts is key! Smart phones are attempting to make our lives easier with a multitude of applications. All major banking institutions now have online banking or apps to make life easier on their customers. […]
25
Mar
Mar
President Trump’s executive order to abolish the Department of Education has raised significant concerns about the future of student loans and their management The Department of Education currently oversees federal student loans for nearly 43 million Americans If the Department of Education is abolished, President Trump has suggested that the management of federal student loans […]
04
Feb
Feb
I remember sitting around a bonfire one cool autumn evening with a few close friends from high school. We had all gone our separate ways after graduation, some of us went to acquire our degrees immediately, others went off to the military and some went to trade schools to prepare themselves for an apprenticeship. As […]