Podcasts about credit reporting

In this special crossover episode of The Consumer Finance Podcast and FCRA Focus, host Kim Phan is joined by fellow Troutman Pepper partner Stefanie Jackman and Michelle Macartney, managing partner and chief compliance officer at Bridgeforce. Together, they delve into the complexities of reporting collections activity to consumer reporting agencies. Michelle shares her extensive experience in consumer reporting compliance, offering valuable insights into the challenges and best practices for maintaining data accuracy and handling disputes. The discussion also covers the latest CFPB draft rulemaking on medical debt and its implications for consumer reporting agencies, end users, and furnishers. Tune in to learn how to navigate the intersection of FCRA and debt collection as well as discover effective compliance strategies to mitigate risks in today's regulatory environment. Don't miss this informative episode packed with practical tips and industry updates!

In this eye-opening episode of Debt Free in 30, host Doug Hoyes dives into the world of debt collection with Blair DeMarco of Kingston Data and Credit. Together, they unravel the complexities of debt collection and help you understand your rights from initial contact to facing settlement offers or legal threats. Whether you're grappling with old debts or dealing with aggressive collectors, this episode equips you with the knowledge and strategies you need to protect your credit and manage your debt effectively.    Timestamps and Titles:    00:00 - Introduction with Guest Blair DeMarco – How Collection Agencies Work   03:05 The Collection Process: Best Questions Answered   06:05 Understanding Your Rights: Statute of Limitations and Credit Reporting  12:10 Can You Be Sued by A Collection Agency?   15:00 Old Debt – How It's Affecting Your Credit and What to Do About It  17:45 Insights on Handling Aggressive Debt Collectors   20:10 Consumer Proposals and Stay of Proceedings – Navigating Your Options   21:45 Debt Re-Aging – Creditors Can Reset the Clock  24:45 What to Say When Debt Collectors Call      Stay ahead of financial challenges with expert advice delivered straight to your device. Subscribe and turn on notifications here:     Watch:  YouTube    Listen:  Apple  Spotify  Podbay  Deezer  Amazon Music    Resources:   Kingston Data and Credit    Wage Garnishing: Know Your Rights    Frozen Bank Accounts: What You Can Do Next   Stop Debt Collection Calls for GOOD      Special Thanks:   Blair DeMarco  Scott Terrio      Disclaimer    The information provided in the Debt Free in 30 podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personalized advice from a qualified financial advisor. Always consult with a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions or strategies discussed. 

Corporate sustainability takes many shapes and forms, and nothing articulates this better than looking through the lenses of a commercial fishing company and a credit reporting agency. On this episode of Bloomberg Intelligence's ESG Currents podcast BI's director of ESG research Eric Kane talks with American Seafoods Chief Sustainability Officer Tim Fitzgerald and Cristina Banahan, the global head of citizenship and sustainability at TransUnion, at the recent Bloomberg Green Festival. They discuss broad topics, such as impact vs. materiality, and company-specific areas of focus including decarbonizing fishing fleets, protecting data privacy and more. This episode was recorded on July 11.See omnystudio.com/listener for privacy information.

Welcome to Episode 186 of The Numbers Game. In this episode, we are joined again by our producer, Tommy Jackett who brings us a personal story of Identity Fraud. He shares the lessons and challenges faced in the aftermath, the lack of support available, and the crucial role of services like Equifax in protecting your identity. We  look at how easily identity theft can occur and share practical tips for safeguarding your personal information. A must listen!On this episode, we discuss:Tommy's Identity Theft ExperienceReporting Identity Theft Presented Various DifficultiesThere Are Limitations When it Comes to Tracking Stolen ItemsThe Process of Discovering and Addressing Fraudulent Activity Was ChallengingEquifax Played a Role in Credit Checks and Prevention of Further Identity TheftImportance of Taking Measures to Protect Oneself From FraudCheck out the free resources from Inovayt here.Send us an email: hello@thenumbersgamepodcast.com.auThe Numbers Game is brought to you by Future Advisory & Inovayt.Hosts:Nick ReillyJason RobinsonMartin VidakovicThis podcast is produced by VIDPOD.

The most expensive car ride someone may take in their life is an ambulance ride, which racks up to a whopping average of 1,200 dollars. Most individuals probably cannot or will not pay that bill outright, meaning it will serve as a form of debt to them.So, how is credit debt any different from more “voluntary” types of debt and how does it impact patient credit scores?On today's episode, Host Gabrielle Bejarano speaks with Michelle Dove, Chief Corporate Counsel and Chief Compliance Officer at IC System, to talk about recent and upcoming changes in credit reporting in the healthcare sector and how this will impact patients. Bejarano and Dove also discussed…1. How paid healthcare debt will no longer be credit-reported2. Medical account reporting time frame changes and the impact on patients and the industry3. The pending change in the debt threshold for credit reportingDove elaborated on how the current and upcoming changes will impact patients. “There are positives—the patient gets more time, but I think the negative is it takes away one method of communicating with the patient to help them understand their account,” she stated.Dove is Chief Compliance Officer and General Counsel at IC Systems and ensures documentation complies with federal, state, and local laws. She has previous experience as an attorney at Bassford Remele, Dorsey & Whitney LLP, and Rider Bennet, LLP. Dove has a B.A. in Political Science and Psychology from the University of Michigan and earned her J.D. from the University of Minnesota Law School.IC System has over 85 years of experience in medical and dental debt collection, rent recovery and other business collections. For more information, visit https://www.icsystem.com/.

In this episode of After Earnings, Austin Hankwitz speaks with Affirm CFO Michael Linford, exploring the company's innovative financial products, focusing on the Buy Now Pay Later space, and its commitment to consumer financial health. The discussion highlights Affirm's strategic partnerships, revenue streams, and response to competitive challenges, as well as its approach to leveraging AI for customer service enhancement. Linford also shares his personal journey to Affirm, underscoring the company's passion for offering transparent, flexible financial solutions that align with consumer success. $AFRM 00:00 Welcome to After Earnings: Unveiling Affirm's Financial Innovations 01:00 Breaking Down Affirm's Mission and Business Model 01:37 Affirm's Approach to Consumer Credit and Financial Health 04:32 The Affirm Card: A New Era of Financial Flexibility 06:01 Decoding Affirm's Revenue Streams and Financial Health 11:35 Earnings Highlights: Affirm's Remarkable Quarter 18:58 The Affirm and Shopify Partnership: A Deep Dive 25:12 Addressing the Bloomberg Article on BNPL Debts 31:22 Debunking Myths Around Delinquencies and Credit Behavior 32:33 The Power of Controlled Spending with Affirm 35:44 Affirm's Approach to Credit Reporting and Future Plans 38:23 Navigating the High Interest Rate Environment 43:32 Leveraging AI for Customer Service and Business Efficiency 50:09 Competitive Landscape and Consumer-Centric Strategy 55:24 Personal Journey to Affirm and Career Reflections 59:59 Key Takeaways and Closing Thoughts After Earnings is brought to you by Stakeholder Labs and Morning Brew.  For more go to https://www.afterearnings.com Follow Us  X: https://twitter.com/AfterEarnings TikTok: https://www.tiktok.com/@AfterEarnings Instagram: https://www.instagram.com/afterearnings_/ Reach Out  Email: afterearnings@morningbrew.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Lending Link LIVE, recorded at the Fintech Meetup in March 2024, host Rich Alterman talks with Liz Pagel, Senior Vice President at TransUnion. They explore the dynamic world of "Buy Now, Pay Later" (BNPL) services and their integration into the traditional credit reporting landscape. Liz discusses the challenges of modifying credit models to accurately reflect BNPL transactions and shares insights on the regulatory landscape involving the CFPB and OCC. She explains the technical updates being implemented to ensure BNPL data is accurately captured and used in credit evaluations. Additionally, Liz addresses the broader impact of these adaptations on financial inclusion and potential changes in consumer behavior. She also speaks on the strides being made towards gender diversity within the fintech sector, highlighting the growing participation and influence of women in the industry. This episode provides a deep dive into how traditional credit bureaus like TransUnion navigate the complexities introduced by new financial products and what this means for consumers and lenders alike. Tune in now!

Get our FREE Public Record Dispute Letter Templates: https://www.creditrepaircloud.com/public-record-disputeBankruptcy is the single most damaging thing that can appear on your credit report…If you have a bankruptcy on your credit report, it will almost always result in an automatic no from lenders, employers, and even landlords. But don't worry, it's not a death sentence!Today, I'll explain how bankruptcy affects your credit, the most common mistakes people make when dealing with it, and how you can remove it from your credit report in 6 simple steps. These tips will save you a lot of headaches, so make sure to tune in. P.S. I share a bonus pro tip at the end, so you better stick around!Key Takeaways:00:00:00 Intro 00:00:58 The Impact of Bankruptcies 00:02:09 Public Records and Credit Reporting 00:03:38 Step-by-Step Guide on Removing Bankruptcies 00:07:58 Bonus Pro Tip00:08:45 My Final Point00:09:09 Community Spotlight00:09:48 OutroAdditional Resources:Get a free trial to Credit Repair CloudGet my free credit repair training  The Ultimate Guide to Credit-Builder Loans in 2024!Make sure to subscribe so you stay up to date with our latest episodes.

Amy C. Waninger welcomes Charles Morgan, the co-founder of ScreeCred, to the Including You podcast this week to chat about credit reporting. Connect with Charles on LinkedIn. https://bit.ly/48rQWdl Including You is brought to you by Lead at Any Level. Learn more about them on their website. http://bit.ly/2lPvOMM Learn more about your ad choices. Visit megaphone.fm/adchoices

In this final episode of The Consumer Finance Podcast Year in Review series, host Chris Willis is joined by Tim St. George, a key member of our Consumer Financial Services Litigation team. They discuss the significant developments in consumer finance class action litigation in 2023 and what to expect in the year ahead. Topics include ethical issues associated with class actions, the debate over service awards, attorney-client privilege, and more. Tune in to gain insights from Tim's extensive experience in class action litigation and stay informed about the evolving legal landscape.To download a copy of the Consumer Financial Services Year in Review and a Look Ahead, please click here. For a list of our upcoming webinars, visit our Troutman Pepper Insights page. And to make sure you don't miss another episode of this podcast, please click subscribe.

Join us for an enlightening episode of The Consumer Finance Podcast, where we dissect the intricate world of debt collection, reflecting on the past year and forecasting future trends. This episode, hosted by Chris Willis, features insightful discussions with Stefanie Jackman and Jonathan Floyd, both well-versed in the field of debt collection. We explore significant Supreme Court cases that could reshape the collections landscape, the impact of Regulation F on validation notices, and the complexities surrounding credit reporting and medical debt. Stefanie and Jonathan share their perspectives on emerging trends and potential challenges in the collections industry. This episode is a must-listen for creditors, servicers, and collectors seeking to understand the ever-evolving landscape of debt collection. Stay tuned for the next and final episode of our Year in Review and a Look Ahead series on The Consumer Finance Podcast, providing valuable insights for anyone involved in consumer finance.To download a copy of the Consumer Financial Services Year in Review and a Look Ahead, please click here. For a list of our upcoming webinars, visit our Troutman Pepper Insights page. And to make sure you don't miss another episode of this podcast, please click subscribe.

Join hosts Dave Gettings, Kim Phan, and Chris Willis in this special crossover episode of FCRA Focus and The Consumer Finance Podcast in the first installment of our Year in Review and a Look Ahead series. They are joined by guests Cindy Hanson and Alan Wingfield, partners at Troutman Pepper, who share their insights on the most impactful developments in background screening and credit reporting in 2023. Listen in as they discuss industry challenges and opportunities, the implications of proposed regulatory changes, and what to expect in the future. Stay tuned for the next episode of our Year in Review and a Look Ahead series on The Consumer Finance Podcast, providing valuable insights for anyone involved in consumer finance.To download a copy of the Consumer Financial Services Year in Review and a Look Ahead, please click here. For a list of our upcoming webinars, visit our Troutman Pepper Insights page. And to make sure you don't miss another episode of this podcast, please click subscribe.

In this special joint episode of Payments Pros and The Consumer Finance Podcast, Carlin McCrory, Keith Barnett, James Kim, and Chris Willis discuss the Consumer Financial Protection Bureau's (CFPB) proposed larger participant rule for consumer payments providers.The rule is designed to supervise general use digital consumer payment applications, defining a market for these applications and subjecting participants to CFPB supervision and examination under the Consumer Financial Protection Act. Proposed on November 7, the rule targets nonbanks that provide general use digital consumer payment applications with an annual volume of at least 5 million consumer payment transactions. The CFPB plans to aggregate transactions among affiliated companies, and any nonbank covered person will be considered a larger participant for two years from the first day of the tax year in which they last met the larger participant test.The group also discusses the implications of the rule, including the potential for increased enforcement activity and the broad scope of the rule. The rule is expected to be finalized and become effective around fall 2024, with examinations likely to begin in early 2025.

Please join us for a special cross-over episode of FCRA Focus and The Consumer Finance Podcast, where Troutman Pepper Partners Chris Willis, Dave Gettings, Kim Phan, and Ron Raether look at the latest developments in the CFPB's FCRA rulemaking process. Topics include:The anticipated timeline for public comment;The removal of medical debt from credit reports; The results of the Small Business Review Panels held in October, and potential reinstatement in the future; The CFPB's "interpretation" of various definitions in the FCRA, such as the meaning of a consumer reporting agency and a consumer report;New obligations imposed on furnishers and end-users regarding permissible purpose;The impact of these new rules on other industries;Anticipation for an uptick in FCRA litigation once the rules are finalized; and Next steps for businesses that will be impacted by the new rules.

NCS (National Credit-reporting System, Inc.), a full-service credit-reporting agency specializing in third-party validation services and credit intelligence data, offers a unified verification and risk mitigation offering, blending performance and efficient design for today's mortgage industry leaders. A trusted leader with lenders nationwide since 1978, NCS is a private and family-owned company navigating you through solutions, services, and experience needed to maximize portfolio strength and consumer satisfaction beyond the expected. We are the industry pioneer of being the first organization to offer IRS tax transcript solutions (TRV® Services) nationwide. Today, we have their Chief Executive Officer, Curtis Knuth and Chief Revenue Officer Jeff Gentry sharing how the company innovates to be on top of their niche and what they see in the future of credit reporting.

On this episode of TMFS, I interviewed Daraine Delevante LIVE from the Credit Summit in Atlanta, Georgia on the importance of knowing the secondary credit reporting agencies. In this interview we talked about the journey that got us both to this point which started out with an iPhone and an interview, the importance of consistency, how to find secondary credit reporting agencies, and different strategies we could use to get negative items deleted from a credit report. At this point, Daraine and I have done too many interviews to count, but of them all, this was easily the most special. Enjoy!

Today we're talking all things credit scores and credit reports! Credit reporting expert Geri Cremin from CreditSmart joins Glen on the show to share what the latest research reveals about Aussie habits, attitudes, and behaviours towards credit in the face of rising cost of living and answers all your burning questions:

"POWER & CREDIT REPORTING AGENCIES" | THE CREDIT LAB PODCAST Tune in Tuesday starting at 6 PM ET for "The Credit Lab Podcast" with your Credit Hero Rony Francois (mrrony_credithero) as he educates you on Credit and Finance awareness.Here's your homework:Subscribe to the He Said What Network YouTube Channel (https://www.youtube.com/c/hesaidwhatnetwork) Watch this episode & Share the link with a few friendsComment what you feel was most helpfulFollow Us on Instagram @ https://www.Instagram.com/HeSaidWhatNetwork & Facebook https://www.Facebook.com/HeSaidWhatNetworkThe He Said What Network is always looking for amazing guests like YOU! We feel the best way to bridge the gap in communication between black men and women is organically discussing the issues at hand. For more HSWN entertainment, subscribe to us on Apple Podcasts or wherever you listen to podcasts.He Said What Network

Please join Consumer Financial Services Partner Chris Willis in this inaugural crossover episode with Partner Dave Gettings of FCRA Focus in welcoming their guests and fellow Partners Cindy Hanson and David Anthony. Dave, Chris, Cindy, and David unite to discuss the 2022 year in review of the Fair Credit Reporting Act and a look ahead for the next year.Cindy Hanson focuses her practice on class-action defense and has practiced FCRA litigation for over 25 years. She has handled more than a thousand matters under the FCRA and also brings significant experience representing companies defending class actions under consumer protection statues and state common law.David Anthony represents companies in highly regulated industries, including consumer financial services companies. He brings significant experience in class actions and complex individual lawsuits. He has vast litigation experience defending cases under the FCRA, the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and numerous other federal and state consumer protection statutes.

FACT: 189 million Americans have Credit Reports in the USA, and 1 in 5 have an error on at least one of their reports. With a staggering 33% of US citizens have experienced identity theft! Do not miss out on listening to Hatti Suvari and our guest Emanwel Turnbull from The Holland Law Firm in Maryland USA, discussing the types of identity theft and credit reporting errors that take place, the devastating effect this can have on a person, and how and where to get help, all in plain and simple English.#identitytheft #creditreport #fraud #thehollandlawfirm #usa #maryland #emanwelturnbull #hattisuvari #getlegallyspeaking #legallearning #legaleducation #empoweryourself Hosted on Acast. See acast.com/privacy for more information.

Segment 2 – How to Increase My Credit Score FastBarb, many people do not know what is behind a good credit rating. How can a buyer be in a better position to purchase a home by building good credit or even raising their current score easily? 56% of People Do Not Understand What is Behind Good Credit The Top 3 Reasons for FHA Loan Denial:• Credit Score too low• Too Much Debt• Income not sufficientHow Lenders Decide on Home Loan Approval:• General Rule of Thumb: 29-45% of GROSS Monthly Income Can be DebtIncludes:• Proposed House Payment• Car Payment• Credit Card Payments• Proposed HOA dues• What is a FICO Score? – Credit Score Fair/Isaac created a math algorithm that predicted borrower's ability to pay into theWays to Improve Score (as Much as 100 Pts:1. Always Pay Your Bills on Time EVERY Time2. Keep Your Credit Card Balances LOW3. Use 30% Off your Credit Limit on Any Card – Lower is Better4. Apply for Higher Credit Limits5. Become an Authorized User on Someone's Credit Card that has a Higher Score6. Apply for New Credit sparingly7. Keep Old Credit OPEN – Use PeriodicallyDispute Credit Report Errors Everyone is entitled to a Free Credit Report Annually.Your can get that at: www.AnnualCreditReport.comYou are listening to the Real Estate Voice with myself Barb Schlinker of Your Home Sold Guaranteed Realty, if you are interested in selling your and want to call Barb give her a call at 719-301-3900 We are talking Barb about how to qualify for a home by improving your credit. Barb what are some other things our listeners can do to improve their credit?Check Your Credit Monthly: Identity Theft is a Risk Credit scammers everywhereConsider paying for Credit Monitoring• LifeLock• ExperianPay Other Bills ON TIME• Rent• Utility• Cell PhoneRecent Improvements to Credit Reporting:1. Third Party Collections that are paid off do NOT have a negative impact2. Medical Collections are treated differently than other types of debt3. Rental History – factors into the score!4. Utility Phone Bill Payment history – factor into the score – Experian BoostKeep Existing Credit Accounts Open:1. Length of Time Credit Extended Helps Scorea. Don't Close Themb. Use Them at a Small LevelERRORS ON YOUR CREDIT REPORT:1. If Not Yours -Write to the Credit Reporting AgenciesCredit Reporting Agencies Must Investigate any Disputed Items• They MUST remove it if they cannot validate those items in 30 days.Credit Inquiries DO Affect Your Score Small amount of points If you are shopping for lenders in a short period of time it only hits one timeNo Credit???1. If you do NOT borrow money – your score could go to ZERO2. Lenders can manually score youYou are listening to the Real Estate Voice with Barb Schlinker of Your Home Sold Guaranteed Realty, if you are thinking of making a move, call Barb at 719-301-3900.When we come back, we will be discussing: Should Home Sellers Be Worried About Buyers With a Low Down Payment?#realestatevoice #barbschlinker #coloradosprings #yourhomesoldguaranteedrealtycolorado #barbhasthebuyers

To stay competitive in this market, lenders need to find efficiencies and understand their operations in a much deeper way. Richey May's consulting, cybersecurity, business intelligence, and automation services are designed by mortgage experts to help you continue to drive growth and increase profitability. Visit https://richeymay.com/advisory/ to learn more about how you can differentiate yourbusiness or set up a meeting with one of Richey May's experts.

The most expensive car ride someone may take in their life is an ambulance ride, which racks up to a whopping average of 1,200 dollars. Most individuals probably cannot or will not pay that bill outright, meaning it will serve as a form of debt to them.So, how is credit debt any different from more “voluntary” types of debt and how does it impact patient credit scores?On today's episode, Host Gabrielle Bejarano speaks with Michelle Dove, Chief Corporate Counsel and Chief Compliance Officer at IC System, to talk about recent and upcoming changes in credit reporting in the healthcare sector and how this will impact patients. Bejarano and Dove also discussed…1. How paid healthcare debt will no longer be credit-reported2. Medical account reporting time frame changes and the impact on patients and the industry3. The pending change in the debt threshold for credit reportingDove elaborated on how the current and upcoming changes will impact patients. “There are positives—the patient gets more time, but I think the negative is it takes away one method of communicating with the patient to help them understand their account,” she stated.Dove is Chief Compliance Officer and General Counsel at IC Systems and ensures documentation complies with federal, state, and local laws. She has previous experience as an attorney at Bassford Remele, Dorsey & Whitney LLP, and Rider Bennet, LLP. Dove has a B.A. in Political Science and Psychology from the University of Michigan and earned her J.D. from the University of Minnesota Law School.

In this episode, Gemma Zanowski and Lisa Benedetti return with special guest SaraEllen Hutchison. SaraEllen is a Washington attorney who has developed a life coaching and mentoring program geared toward intelligent, professional women looking for help balancing a successful career with a fulfilling personal life. SaraEllen's book, Feminine Energy Feminist,  is the guide for Millennial and Gen-X women working in historically male-occupied fields to create work-life balance and personal fulfillment. Available November 30th. Learn more here. For more conversation with SaraEllen, tune into Episode 7: Credit Reporting with SaraEllen Hutchinson.Thank you for listening! Follow the Token Majority™ on Instagram and Facebook.

Today, Clayton welcomes the SVP and GM of Equifax Mortgage and Housing, Craig Crabtree, onto the Housing News podcast.  Craig has an incredible background as a mortgage lender, which led him to his career as a GM at Equifax.Clayton and Craig spend a lot of time talking about different credit data sources — from rent data to utility credit data — which Equifax is currently bringing to market as a new and unique data field that lenders can leverage outside of their traditional credit reporting box. They also go into how Equifax and other credit bureaus are leveraging automation to help lenders be more efficient amid the margin tightening that is happening all across the industry. Enjoy the episode!Help HWMedia support those affected by hurricane Ian in FloridaOur mission at HWMedia is moving markets forward. Natural disasters like Hurricane Ian have an impact on homeowners and housing professionals alike.HW is running a fundraiser to make a donation to the Florida Realtors Disaster Relief Fund. Please check out this link to purchase a t-shirt or sweatshirt. Proceeds will go directly to support disaster relief in Florida.HW Media Fundraiser Link --> https://www.bonfire.com/hwmedia-hurricane-ian-relief-fund/The proceeds from each item will be donated to the Florida Realtors Disaster Relief Fund.The Housing News podcast explores the most important topics happening in mortgage, real estate, and fintech. Each week a new mortgage or real estate executive joins the show to add perspective to the top stories crossing HousingWire's news desk. Hosted by Clayton Collins and produced by the HW Media team.

The credit reporting agencies Equifax and Transunion don't give a shi*t about you. You are not their customer. You are the product. Apply for business funding:https://quikfunding.ca/ Reserve Your Seat upcoming online webinar: https://new2credit.ca/ Media, Marketing, and business inquiries : https://bantumedia.org/ Enroll in funding academy. Learn how to access funding with banks and credit unions: https://fundingacademy.live/ Book a 1 on 1 business credit consult:https://calendly.com/fundingacademy/b... Book a 1 on 1 personal credit consult:https://calendly.com/fundingacademy/6... Marketing Strategy Consult:https://calendly.com/fundingacademy/m... Mentorship program:https://rebuildacademy.ca/ Our website: https://linktr.ee/creditfundingcanada

We are delighted to be joined by Stuart Holland, Director of External Affairs at Equifax in episode three of our Buy Now, Pay Later podcast series to discuss the proposals relating to creditworthiness and credit reporting. We cover what Credit Reporting Agencies (CRAs) do, what credit files are and how these are currently used by lenders and borrowers, HMT's proposals for credit reporting and creditworthiness checks for Buy Now, Pay Later (BNPL), what role credit reporting and credit files play in helping BNPL providers navigate their regulatory responsibilities regarding creditworthiness, vulnerable customers and avoiding over-indebtedness and the wider implications of the proposals on consumers and lenders and how the data will feed into credit files.

In this episode, Gemma Zanowski and Lisa Benedetti are joined by SaraEllen Hutchison, a Washington attorney who practices consumer rights and fair credit reporting law. We talk about many credit reporting issues people should know, like how to check your credit report, how to dispute inaccuracies on your credit history, and what to do if you think you need a lawyer to help you with credit concerns.

Today, the Consumer Financial Protection Bureau (CFPB) has Ordered Hyundai to Pay $19 Million for their Widespread Failures in Credit Reporting. According to CFPB, Hyundai Furnished Inaccurate Account Information to the Credit Reporting Companies, which as you know are Equifax, TransUnion, and Experian. According to CFPB Hyndai was found to have wrongly reported that many Consumers who leased or purchased cars Between January 2016 and March 2020 were Delinquent on Loans or Leases. I discuss about this issue in today's episode. Feel free to email me at hello@kuldipbhatt.com 

Please join Consumer Financial Services Partner Chris Willis and his guests and colleagues Stefanie Jackman and Sarah Reise as they discuss the intersection of fair lending with collections. They cover which types of third-party debt collection processes could be subject to a fair lending review, the difference between disparate treatment and disparate impact, how the CFPB may review collection-related decisions, what a basic fair lending analysis may look like for collectors, the processes likely to be targeted for a fair lending review, and what collectors can do now to update their compliance management system and assess their operations to identify and mitigate potential fair lending issues.Consumer Financial Services Partner Stefanie Jackman focuses a significant portion of her practice on providing compliance-related advice to her clients. She regularly counsels clients on conducting compliance assessments relating to their debt collection, credit reporting and dispute resolution processes, fair lending and underwriting, and vendor oversight, as well as the functionality of their overall compliance management system.Sarah is counsel in the firm's Consumer Financial Services Practice Group where she represents clients in financial services and mortgage banking in cases involving all aspects of consumer financial services and products, including claims arising under state and federal lending statutes and consumer protection laws, such as the Fair Credit Reporting Act (FCRA), the Fair Debt Collections Practices Act (FDCPA), the Real Estate Settlement Procedures Act (RESPA), and the Truth in Lending Act (TILA).

Please join Troutman Pepper Partner Chris Willis and his guests and colleagues Alan Wingfield and Noah DiPasquale as they discuss the recent advisory opinion from the Consumer Financial Protection Bureau on name-only matching under the Fair Credit Reporting Act (FCRA). Highlights include how the opinion was adopted, challenges furnishers and users will face in light of this opinion, and the potential impact for the credit reporting industry moving forward.Consumer Financial Services Partner Alan Wingfield helps consumer-facing clients navigate compliance, litigation, and regulatory risks posed by the complex web of state and federal consumer protection laws. He is a trusted advisor and tireless advocate, helping clients develop practical compliance and dispute-resolution strategies.Associate Noah DiPasquale represents clients in consumer law, business disputes, and commercial litigation. His practice focuses particularly on national class-action litigation arising under consumer protection statutes, including the FCRA.

In this Episode, J-Griff and Timo dive deep into the fraudulent business practices of Experian, Transunion, and Equifax- and how you can start to assert your rights when it comes to your FICO/Credit Score.

https://www.weforum.org/agenda/2018/12/why-are-so-many-people-getting-a-meat-allergy https://snacksafely.com/2018/03/study-red-meat-allergy-a-growing-concern/ https://finance.yahoo.com/news/fico-became-credit-score-100000037.html https://www.weforum.org/agenda/2021/01/this-new-approach-to-credit-scoring-is-accelerating-financial-inclusion/ https://twitter.com/AndrewLawton/status/1529045188764921856?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1529045188764921856%7Ctwgr%5E%7Ctwcon%5Es1_&ref_url=https%3A%2F%2Fwelovetrump.com%2F2022%2F05%2F24%2Fwef-2022-panelist-brags-about-individual-carbon-footprint-tracker-watch%2F https://www.visualcapitalist.com/history-consumer-credit-one-infographic/ https://www.amistadresearchcenter.org/single-post/2019/03/05/The-Mercantile-Agency-A-Curious-Relationship-of-Credit-Reporting-and-Abolitionism https://prabook.com/web/robert.dun/3770786 https://www.isis.vanderbilt.edu/sites/default/files/google-data-collection.pdf https://www.offthegridnews.com/current-events/top-headlines/the-shocking-link-between-peanut-allergies-and-vaccines/

How To Invoice Credit Reporting Agencies

The CARES Act Section 4021 of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, signed into law on March 27, 2020, amended the Fair Credit Reporting Act The “covered period” is either period beginning on January 1, 2020, and ending on the later of (i) 120 days after the enactment of the CARES Act or (ii) 120 days after the termination of the national emergency declared on March 13, 2020. Under the new subsection, [I]f a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall— (I) report the credit obligation or account as current; or (II) if the credit obligation or account was delinquent before the accommodation— (aa) maintain the delinquent status during the period in which the accommodation is in effect; and (bb) if the consumer brings the credit obligation or account current during the period described in (aa), report the credit obligation or account as current. While the language of the CARES Act fails to specify, it would be wise for furnishers to assume that the new subsection applies retroactively and implement these changes to any account for which accommodation was made on or after January 31, 2020. Note, however, that these changes do not apply to charged-off accounts.

Hey all, Jason here.I’m pleased to present the third installment of Fintech Recap, the monthly-ish podcast I host with Alex Johnson, author of Fintech Takes newsletter and Director of Fintech Research at Cornerstone Advisors.In this episode, Alex and I bid farewell to 2021 by discussing:The credit bureaus’ long-time-coming embrace of BNPL.The introduction of new products in the P2P payments space.The tables turning on fintech SPACs and what to expect in 2022.And, as is quickly becoming tradition, we spent a few minutes at the end talking about the news stories and trends we just can’t let go of (spoiler alert — several web3 buzzwords are involved).Enjoy!Existing subscriber? Please consider supporting this newsletter by upgrading to a paid subscription. New here? Subscribe to get Fintech Business Weekly each Sunday: Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

Do you want a roof over your head? Please provide your DOB, SSN, and be afraid MFer. This week, we discuss the three major credit reporting bureaus and their despicable business practices.

Contact us:Jerry Buckley | jbuckley@buckleyfirm.comJody Westby | westby@globalcyberrisk.comADCG | info@adcg.org

The Credit Puzzle - How to Win with Good Credit - ASegment 1The Credit Puzzle – How to Win with Good CreditBarb, many people do not know what is behind a good credit rating.  How can a buyer be in a better position to purchase a home by building good credit?56% of People Do Not Understand What is Behind Good CreditThe Top 3 Reasons FHA Loan Denial:Credit Score too lowToo Much DebtIncome not sufficientHow Lenders Decide on Home Loan Approval:General Rule of Thumb35-45% of GROSS Monthly Income Can be DebtIncludes:Proposed House PaymentCar PaymentCredit Card PaymentsProposed HOA duesWhat is a FICO Score? – Credit ScoreFair/Issac created a math algothym that predicted borrower's ability to pay into the futureHow They Score:Ways to Improve Score:1. Always make Timely Payments2. Don't MAX Out available credit3. Keep Low Balances with respect to available balance4. Apply for New Credit sparingly5. Keep Old Credit OPEN – use periodicallyYou are listening to the Real Estate Voice with myself Barb Schlinker of Your Home Sold Guaranteed Realty, if you are interested in selling your and want to call Barb give her a call at 719 301 3900 We are talking Barb about how to qualify for a home by improving your credit.  Barb what are some other things our listeners can do to improve their credit?Check Your Credit Monthly:Identity Theft is a RiskCredit scammers everywhereConsider paying for Credit MonitoringLifeLockExperianPay Other Bills ON TIMERentUtilityCell PhoneFREE CREDIT REPORT EVERY YEAR:HTTPS://www.ANNUALCREDITREPORT.COMRecent Improvements to Credit Reporting:1. Third Party Collections that are paid off do NOT have a negative impact2. Medical Collections treated differently than other types of debt3. Rental History – factors into the score!4. Utility & Phone Bill Payment history – factor into the score – Experian BoostKeep Accounts Open:1. Length of Time Credit Extended Helps Score a. Don't Close Themb. Use Them at a Small Level i. Bi MonthlyERRORS ON YOUR CREDIT REPORT:1. If Not Yours -Write to the Credit Reporting Agenciesa. Three:i. Experianii. Equifaxiii. TransUnion2. New Slide:ERRORS ON YOUR CREDIT REPORT:Credit Reporting Agencies Must Investigate any Disputed ItemsThey MUST remove it if they cannot validate those items in 30 days.Credit Inquiries DO Affect Your ScoreSmall amount of points If you are shopping for lenders in a short period of time it only hits one timeNO Credit???  1. If you do NOT borrow money – your score could go to ZERO2. Lenders can manually score youNever had credit???Consider a Secured Credit CardDeposit $300Borrow on $300

Today Asher and Jesse discuss vaccine passports, digital currencies, and what that means for freedom, humanity, and everything going forward. Follow Us:Facebook https://www.facebook.com/AwakeningConsciousnessAJInstagram https://www.instagram.com/awakeningconsciousnessaj/YouTube https://www.youtube.com/channel/UCljw7ae6Nrwfi8oJ30r14YwBitchute https://www.bitchute.com/channel/zdtnY6dXNSJr/Brand New Tube https://brandnewtube.com/@AwakeningConsciousness_AJRumble https://rumble.com/c/c-891787Gab https://gab.com/AwakeningConsciousnessAJMeWe https://mewe.com/p/awakeningconsciousnesswithasherandjesseJoin our Telegram Chat: https://t.me/AwakeningConsciousness_AJOur Websites:https://drtomcowan.com/https://www.drcowansgarden.com/https://www.abecuador.com/

Welcome to "Are You Listening Now" where I talk about a wide range of topics. Thanks for tuning in! I do not own the rights to the music.On today's show I discuss  Change to Credit Reporting and Scoring and Way to early for Football?....SIKE!! Segment 1 -Change to Credit Reporting and Scoring (2.39 - 13.28)Segment 2 -Way to early for Football?....SIKE!! (13.29 - 26.48)

It looks as if the Government is stepping in to overhaul the credit reporting system.  Not sure if I want the Government all up in my credit, but I understand. Go here to read more: https://www.usatoday.com/story/money/personalfinance/2021/07/02/congress-credit-score-overhaul-proposal-act/46965135/ Need credit help?  Let's get you back on track to the best credit ever! Schedule a consultation:  Financial Champion Credit ConsultationCoach MTSupport the show (https://www.buymeacoffee.com/coachmt)

Join Devon and Paul with their special guest, Patricia Finn from Universal CIS, as they discuss ‘Understanding Your Credit Report'. Topics will include the various scoring systems, risk scores, and the Experian Boost program. Show Links • Paul Seguin's website: www.sellwithseguin.com • Devon Carr's website: http://www.goldstarfinancial.com/devoncarr

Learn how the credit bureaus work and why you should not be afraid to send them dispute letters. *Thanks you for listening. If you like the podcast please Rate it 5 stars on Apple Podcast! Much love and have a great day! Follow us “The Credit Repair Show” for daily updates on how to repair your credit. You can support my podcast with a small donation on my Cashapp $Credit1964 · Follow us: Instagram: @creditrepair64 / Twitter: @creditrepair64 / Facebook: Angelo McCutchen /Facebook Group: https://www.facebook.com/groups/creditrepair64 Youtube: Angelo McCutchen · Goal: We want to inspire the world to understand that they do not have to live with bad credit and that there is something that can be done about improving their credit scores. If you know of anyone that can use this podcast please share it with them. Tags: #Credit, #creditrepair64, #creditbureaus, #creditreport, #money, #home, #homebuyer #creditcards #car #carbuyer #debtbuyer #debtcollectors --- Send in a voice message: https://anchor.fm/angelo-mccutchen/message Support this podcast: https://anchor.fm/angelo-mccutchen/support

Listen to the latest episode of Equifax's new podcast: CreditTalks. Hosted by Ilyce Glink, CreditTalks helps you better understand our evolving financial world. Topics discussed in this episode: 00:00 Introduction to podcast guests and topics for discussion01:46 Ilyce and Kendall talk about how credit reporting works from the Bureau side08:16 Ilyce introduces Michael Fratantoni08:48 Interest rates being so low12:23 Why aren't people refinancing as much as they should?19:37 Millennials in the housing market22:40 Forbearance27:16 Optimism in the purchase market

Have you ever wondered why there are three credit reporting bureaus? How is credit and credit scores differ in other countries? In this episode, Rod shares his journey that led him to his path at Experian and breaks down difference between the credit reporting bureaus, how credit is different around the world, and resources at Experian you can leverage during COVID-19.Rod Griffin is the Senior Director of Consumer Education and Advocacy for Experian. He is responsible for Experian's national consumer education programs and outreach. Rod serves as an expert spokesperson on consumer issues, particularly credit reporting, credit scoring and identity theft, and is frequently quoted by national television, print, radio and online media including the New York Times, Washington Post, CBNBC.com, MSNBC.com, Time Magazine, and other national media outlets.  He currently represents Experian on the Jump$tart Coalition for Personal Financial Literacy Board of Trustees and previously served on the LifeSmarts Corporate Advisory Board, which he chaired in 2016. 

Credit Information Sharing (CIS) is a process where credit providers (such as banks, microfinance institutions, saccos, etc.) exchange information on their outstanding loans and advances through licensed Credit Reference Bureaus (CRBs). The CRBs are licensed by the Central Bank of Kenya. Through CIS, a lenders accesses reports from the CRB which informs them about the repayment patterns of a borrower. In other markets, CIS is also referred to as Credit Referencing or Credit Reporting, among other terms. In Kenya, as per the Credit Reference Bureau Regulations 2013, commercial and microfinance banks are mandated to share information on their entire loan books, meaning both up to date and late (overdue) repayment details of a borrower are shared. This data is submitted electronically on a monthly basis to the CRBs.

During this show, you will discover … Where the CRAs get information on your business online … … and how you can help to put your companys best foot forward That all business credit reporting agencies have the same mission … … to measure if your business can pay its bills on time Why business credit scores are not identical but should generally be close Which public records the CRAs look at and why Which information they get from the IRS What creditors can voluntarily disclose What you, the borrower, can disclose voluntarily … … and how that information can help you What the D&B Rating is … … and why startups have such low D&B ratings Where shared data enters the picture How the CRAs get information on UCC filings and collections What the CRAs are looking for from the Federal government Where even news stories and press releases figure in How you give up information to the CRAs every time you enter your company information into a directory, or you register your business, or if you incorporate Where the CRAs get information on your business online … … and how you can help to put your companys best foot forward And much more...

In this episode of Lykken on Lending, David interviews Sean Buckner, President and CEO of Informative Research, and Michael Kuentz, President at Lenders One Mortgage Cooperative as they discuss how to position your business with the current trends in credit reporting. There's been a lot taking place in our post-Equifax-security-breach world, particularly in the mortgage industry. It's a topic that is of high concern to everyone handling sensitive information with a priority of ensuring our best practices for our customers. As usual, the first half of the program will feature Joe Farr providing you a rate & market update, followed by Les Parker's Market-Logics Live, a macroeconomic perspective on the economy with a music parody.  Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line. We appreciate you telling others about the show!   In this episode of Lykken on Lending, David interviews Sean Buckner, President and CEO of Informative Research, and Michael Kuentz, President at Lenders One Mortgage Cooperative as they discuss how to position your business with the current trends in credit reporting. There's been a lot taking place in our post-Equifax-security-breach world, particularly in the mortgage industry. It's a topic that is of high concern to everyone handling sensitive information with a priority of ensuring our best practices for our customers. As usual, the first half of the program will feature Joe Farr providing you a rate & market update, followed by Les Parker's Market-Logics Live, a macroeconomic perspective on the economy with a music parody.  Next is Alice Alvey of Union Home providing a regulatory & legislative update followed by Allen Pollack giving us a Tech Report of the latest technology impacting our industry. Then we wrap up the first half the program with Andy Schell, a/k/a “Profit Doctor” sharing ideas on how to improve your bottom line. We appreciate you telling others about the show!  

During this show you will learn 9 things that you should know about the business credit reporting agencies, but probably do not know how. You will learn the entire history behind the three business cred reporting agencies Dun & Bradstreet, Equifax, and Experian. See who has more records on file, what unethical actions got the bureaus in big trouble, which reporting agency actions led to the FCRA, learn the industry that cred reporting started in, discover which agency headquarters is in Ireland, see which bureau was started 70 years prior to Trans Union, see a complete walk through of our Business Finance Suite, and more.