According to an AP report “A resurgent housing market, rising home values and steady job gains are helping more U.S. homeowners stay on top of their mortgage payments.” That same report stated that “The percentage of mortgage holders at least two months behind on their payments fell by 21 percent in the first three months […]

A class-action lawsuit against the three major credit bureaus made headlines when a federal appeals court threw out a proposed settlement, but more noteworthy is that the suit itself led to major improvements in how they generate consumer credit reports. In the lawsuit, thousands of U.S. consumers allege that Equifax, Experian and TransUnion were issuing […]

According to an NBCNews.com story, Approximately 30 million Americans have a debt subject to collection. Many of these people insist they do not owe the debt attributed to them. Whether they actually owe the debt or not, it is indisputable that the tactics of debt collectors have taken a turn toward cruel and criminally dishonest.  […]