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Why Did I Get IRS Form 1099-C From My Credit Card Issuer?

I received my first 1099 for tax year 2012 last week.  And while the weather suggests “It’s beginning to look a lot like Christmas” it’s also a reminder that we’re only 3 months away from our mailboxes...

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How Often Do I Get a Free Credit Report?

In the world of credit there are plenty of things to be confused about.  Credit scoring, risk management, insurance scores, employment screening, pre-screening, the value of credit inquiries…one thing...

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What Are The CFPB Examination Procedures for Consumer Reporting Agencies?

In March 2012, the Consumer Financial Protection Bureau (CFPB) announced that they were targeting consumer reporting agencies (CRAs) with at least $7 million in annual revenue. This included 30...

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CFPB Semi-annual Report on Consumer Complaints – Part 1

The Consumer Financial Protection Bureau (CFPB) started accepting consumer complaints in July 21, 2011. The Bureau was charged with protecting consumers against deceptive practices by the consumer...

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CFPB Semi-annual Report on Consumer Complaints – Part 2

Yesterday I addressed the credit card, consumer loan, mortgage loan complaints consumer made to the Consumer Financial Protection Bureau (CFPB).  In this part 2, I’ll address student loan, bank account...

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Do Consumers Get The Same Credit Scores As Lenders?

The Consumer Financial Protection Bureau (CFPB) has been in the news often lately.  They are they consumer protection watch dog re: the financial services industry.  They released a study about credit...

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Where is all that credit report data coming from?

The Consumer Financial Protection Bureau’s (CFPB) Office of Deposits, Cash, Collections and Reporting Markets (DCCR) conducted a study of how consumer data is managed, which was released in December...

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Here’s the REAL Reason You Don’t Get a Free Credit Score Annually…

Ask yourself this question…Are credit scores part of my credit report?  And I’ll answer it with this…the difference between a credit report and a credit score is; A credit report is credit information...

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Short Sales Being Reported to Credit Bureaus as Foreclosures? Problem Will Be...

“John, I recently went through a short sale to get rid of my home.  I realize this is bad for my credit but I had no idea it was going to show up as a foreclosure.  That can’t be correct.  Can I get...

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Is Your Employer Forcing You To Take Your Income On A Prepaid Debit Card? The...

It’s almost inconceivable to believe but there are actually employers out there who are forcing their low wage, hourly employees to take their paychecks on prepaid debit cards. Talk about adding insult...

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