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1 117th Congress (2021-2022): Comprehensive CREDIT Act of ...
https://www.congress.gov/bill/117th-congress/house-bill/4120
The bill revises the dispute process for consumers challenging information contained on their credit report, including by establishing an appeals process ...
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2 Credit score overhaul: New bill aims to put government in ...
https://www.usatoday.com/story/money/personalfinance/2021/07/02/congress-credit-score-overhaul-proposal-act/46965135/
Prohibiting the use of credit score information for purposes unrelated to credit decisions. This means most employers could no longer use credit ...
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3 New Credit Score Models and Credit Reporting Are a Focus of ...
https://www.bhfs.com/insights/alerts-articles/2022/new-credit-scoring-models-under-consideration-at-fhfa-while-credit-score-issues-remain-in-political-crosshairs-
The FHFA's new scoring models could require that Fannie Mae and Freddie Mac, the government-sponsored enterprises (the GSEs), who have used the classic FICO ...
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4 Proposed Changes to Credit Reporting Could Benefit Millions ...
https://southernmarylandchronicle.com/2022/02/12/proposed-changes-to-credit-reporting-could-benefit-millions-of-americans/
Under the new guidelines, employers would no longer be allowed to use a credit score to determine eligibility for employment.
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5 This Big Change Is Coming to Credit Reports - The Motley Fool
https://www.fool.com/the-ascent/personal-finance/articles/this-big-change-is-coming-to-credit-reports-check-yours-soon/
Not only that, but under a set of new rules, consumers now get a full 12 months before unpaid medical debt can show up on a credit report ...
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6 Equifax, Experian, and TransUnion announce changes in ...
https://www.consumerfinancemonitor.com/2022/03/24/equifax-experian-and-transunion-announce-changes-in-medical-debt-reporting/
Mar 24, 2022 —
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7 Some medical debt will soon disappear from consumer credit ...
https://www.cnbc.com/2022/06/09/some-medical-debt-will-soon-disappear-from-consumer-credit-reports.html
70% of medical collection debt will soon be removed from credit reports—and it could boost your credit score ... The three major credit reporting ...
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8 CFPB Publishes Analysis of Potential Impacts of Medical Debt ...
https://www.consumerfinance.gov/about-us/newsroom/cfpb-publishes-analysis-of-potential-impacts-of-medical-debt-credit-reporting-changes/
Starting in 2023, medical collections tradelines less than $500 will no longer be reported on consumer credit reports. Medical bills under $500 ...
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9 House Passes Pressley Bill to Reform Broken Credit ...
https://financialservices.house.gov/news/documentsingle.aspx?DocumentID=406110
Following recent news that Equifax sent lenders inaccurate credit scores on ... Act of 2020 (“Comprehensive CREDIT Act”), legislation sponsored by Rep.
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10 Will Credit Score Reporting Change Soon? - GOBankingRates
https://www.gobankingrates.com/credit/credit-score/will-credit-score-reporting-change-soon/
Currently, negative information, such as missed payments, remains on a credit report for up to seven years. Under the new proposals, ...
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11 First Changes to Reporting of Medical Collection Debt Roll ...
https://www.equifax.com/newsroom/all-news/-/story/first-changes-to-reporting-of-medical-collection-debt-roll-out-july-1-2022/
Highlights: · Changes to medical collection debt included on credit reports begin to take effect July 1, 2022. · Paid medical collections debt will no longer ...
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12 Credit Reports and Scores | USAGov
https://www.usa.gov/credit-reports
On AnnualCreditReport.com you are entitled to a free annual credit report from each of the three credit reporting agencies. These agencies ...
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13 Credit Reporting | OCC
https://www.occ.treas.gov/topics/consumers-and-communities/consumer-protection/credit-reporting/index-credit-reporting.html
Under FACTA, consumers are entitled to one free credit report every 12 months from each of the three credit bureaus (Equifax, TransUnion, and Experian).
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14 Consumer Assistance Topics - Credit Reports - FDIC
https://www.fdic.gov/resources/consumers/consumer-assistance-topics/credit-reports.html
Tips for a Positive Credit Report · Pay your loans and other bills on time. · To help show that you have not borrowed too much, try to minimize ...
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15 House Passes Protecting Your Credit Score Act to Improve ...
https://consumerfed.org/press_release/house-passes-protecting-your-credit-score-act-which-improves-credit-reporting-system/
H.R.5332 Will Help Protect Consumer Credit Reports and Increase Reporting Agency Accountability – Senate Must Act ... Washington, D.C. – Today, ...
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16 Credit Companies Will Remove Stains From Repaid Medical ...
https://www.nytimes.com/2022/03/18/business/credit-scores-medical-debt.html
Starting on July 1, medical debts that were paid after they went to collections will no longer appear on consumers' credit reports, where they ...
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17 Credit Reports: Bureau of Consumer Credit Protection
https://www.maine.gov/pfr/consumercredit/credit_report.htm
A new law requires credit reporting agencies to provide any Maine consumer one free copy of his or her credit report annually. This does not change the ...
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18 Credit Scores | The Office of Attorney General Keith Ellison
https://www.ag.state.mn.us/consumer/publications/creditscores.asp
Get Your Credit Score ... Federal law allows consumers to receive a free credit report from each of the three major credit bureaus every 12 months. Consumers must ...
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19 Fair Credit Reporting Act | Federal Trade Commission
https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act
The Act (Title VI of the Consumer Credit Protection Act) protects information collected by consumer reporting agencies such as credit bureaus, ...
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20 Credit scoring ban | Washington state Office of the Insurance ...
https://www.insurance.wa.gov/credit-scoring-ban
Legislation to ban credit scoring ... He asked the state Legislature to ban insurers' use of credit scores when determining how much you pay for auto, homeowners ...
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21 Medical Debt and Credit Scores: How New Rules Ease the Pain
https://www.cnet.com/personal-finance/medical-debt-and-credit-scores-how-new-rules-ease-the-pain/
The new rule changes mean that paid medical collections debts will be removed from credit scores, though unpaid medical collections debt will ...
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22 Credit Reporting - Financial Regulation
https://www.dllr.state.md.us/finance/consumers/creditrepc.shtml
Things such as delinquencies, too much debt, too many new accounts and not enough credit history can negatively affect your credit score. Paying your bills ...
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23 Credit Reporting & Scores - NCLC
https://www.nclc.org/topic/credit-reporting-and-scores/
Credit scores also display serious racial disparities and perpetuate this ... Ten years ago, the National Consumer Law Center (NCLC) issued Automated ...
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24 Unpaid medical bills are still harming people's credit ... - NPR
https://www.npr.org/2022/10/03/1126517118/unpaid-medical-bills-are-still-harming-people-s-credit-scores-despite-new-polici
This year, three national credit agencies announced new policies to prevent unpaid medical bills from hurting people's credit scores.
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25 Your Credit Report - LawNY
https://www.lawny.org/node/82/your-credit-report
We provide free legal aid to people with civil legal problems in western New York.
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26 Consumer Credit Bill of Rights
https://www.state.nj.us/dobi/division_consumers/finance/creditrights.htm
As a New Jersey resident, you are entitled to a free copy of your credit report once a year from each of the major credit agencies (Equifax, Experian and ...
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27 Credit Reporting Changes 2022: What Landlords and Tenants ...
https://www.propertymanagementhouston.com/blog/credit-reporting-changes-2022-what-landlords-and-tenants-should-know
Experian, TransUnion, and Equifax recently announced that they will remove medical collection debt from credit reports starting July 2022.
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28 Applying for Credit: Know your Rights - myFICO
https://www.myfico.com/credit-education/know-your-rights
You have the right to a free copy of your credit report when your application is denied because of information supplied by the credit bureau. Your request must ...
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29 Credit Reports & Credit Scores - New Economy Project
https://www.neweconomynyc.org/credit-reports-credit-scores/
It is against the law for creditors to base their credit decisions on your sex, age, race, color, religion, national origin, marital status, receipt of public ...
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30 Credit report change: People could see higher credit scores ...
https://www.al.com/news/2022/06/credit-report-change-people-could-see-higher-credit-scores-starting-july-1.html
According to CNBC, roughly $88 billion in medical debt appears on consumer credit reports. Additionally, 58% of bills that are in collections ...
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31 HUGE Changes Coming To CREDIT SCORES!!! KNOW THIS!!!
https://www.youtube.com/watch?v=MXczr7uBfSI
May 24, 2022
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32 Credit Scores and Credit Reports | State of California
https://oag.ca.gov/consumers/general/credit-scores-credit-reports
Fix Your Credit and Improve Your Credit Score · Pay your bills on time. · Have some — but not too many — credit accounts. · Don't apply for too much new credit in ...
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33 Your medical debt could soon be excluded from your credit ...
https://www.washingtonpost.com/business/2022/03/18/medical-debt-removed-from-credit-reports/
“Millions of Americans have experienced credit report coercion: where they are pressured to pay medical bills they may not even owe, to prevent ...
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34 VantageScore Excluding Medical Bills from Credit Scores
https://www.investopedia.com/vantagescore-excluding-medical-bills-from-credit-scores-6386300
As a result, the FICO competitor has decided to stop factoring unpaid medical collections into its latest credit score versions starting in ...
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35 Fair Credit Reporting Act (Regulation V) - NCUA
https://www.ncua.gov/regulation-supervision/manuals-guides/federal-consumer-financial-protection-guide/compliance-management/lending-regulations/fair-credit-reporting-act-regulation-v
The Dodd-Frank Act also amended FCRA to require disclosure of a credit score and related information when a credit score is used in taking an ...
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36 Credit score in the United States - Wikipedia
https://en.wikipedia.org/wiki/Credit_score_in_the_United_States
Under the Wall Street reform bill passed in 2010, a consumer is entitled to receive a free report of the specific credit score used if they are denied a loan, ...
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37 Experian: Check Your Free Credit Report & FICO® Score
https://www.experian.com/
... understand, and improve your credit. Start with your free Experian credit report and FICO® score. ... Lower your bills and save. New ...
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38 What Is a Credit Score and Why Is It Important? | Lexington Law
https://www.lexingtonlaw.com/education/what-is-a-credit-score
If you pay your bills on time every time, keep revolving balances low and only open new credit when necessary, you're likely to have a good FICO ...
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39 B3-5.1-01, General Requirements for Credit Scores (10/05 ...
https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-5-Credit-Assessment/Section-B3-5-1-Credit-Scores/1032996841/B3-5-1-01-General-Requirements-for-Credit-Scores-08-05-2020.htm
Credit scores are required for most loans purchased or securitized by Fannie Mae. The classic FICO credit score is produced from software ...
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40 Bad Credit Shouldn't Block Employment: How to Make State ...
https://www.demos.org/research/bad-credit-shouldnt-block-employment-how-make-state-bans-employment-credit-checks-more
Credit check laws are effective at increasing employment among job applicants with poor credit. A new study from researchers at Harvard and ...
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41 What Do Recent Changes to FICO Scores Mean for Me?
https://www.schwab.com/learn/story/what-do-recent-changes-to-fico-scores-mean-me
While the exact formulas used to calculate credit scores are proprietary, the new FICO score is reported to give more weight to rising levels of debt, higher ...
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42 How to Deal With Medical Bills on Your Credit Report
https://www.nerdwallet.com/article/finance/medical-bills-on-credit-report
Starting July 1, 2022: Consumers can expect to have paid medical debt erased from their credit reports, and the delay before unpaid medical debt ...
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43 Who's Keeping Score?: Oversight of Changing Consumer ...
https://onlinelibrary.wiley.com/doi/full/10.1111/ablj.12199
Professor of Business Law, Richard Sorensen Professor in Finance, ... While innovative new credit assessments using different data could ...
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44 New Credit Reporting Rules for Debt Collectors - Nolo
https://www.nolo.com/legal-updates/new-credit-reporting-rules-for-debt-collectors.html
A new federal law prohibits a debt collector from telling a credit reporting agency about a debt before either speaking to the consumer or sending a debt ...
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45 Credit Reports and Credit Scores - Federal Reserve Board
https://www.federalreserve.gov/creditreports/pdf/credit_reports_scores_2.pdf
credit report, credit score, and the companies that compile that ... For instance, if you pay your bills late or incur more debt, your credit score may go.
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46 Surprise Billing Ban Opens Door for CFPB to Curb Medical Debt
https://news.bloomberglaw.com/banking-law/no-surprise-billing-law-opens-door-for-cfpb-to-curb-medical-debt
The new federal law requires credit bureaus to determine that the information they get from hospitals, medical offices, debt collectors, and ...
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47 Does Medical Debt Affect Your Credit Score? - GoodRx
https://www.goodrx.com/healthcare-access/medical-debt/medical-debt-credit-score
Beginning July 1, 2022, consumer credit-reporting agencies Equifax, Experian, and TransUnion will wait 1 year before including unpaid medical ...
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48 New rule - Medical debt may not hurt your credit score anymore
https://www.ovlg.com/blog/medical-debt-may-no-longer-affect-your-credit-score.html
From 2023, outstanding medical bills for less than $500 will not be included on credit reports or affect credit scores. Unpaid medical ...
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49 Most Medical Debts to Be Removed From Consumers' Credit ...
https://www.wsj.com/articles/most-medical-debts-to-be-removed-from-consumers-credit-reports-11647604803
The unpaid bills end up on credit reports, sometimes lowering consumers' credit scores and hindering their ability to get affordable mortgages, ...
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50 Annual Credit Report.com - Home Page
https://www.annualcreditreport.com/index.action
FREE Credit Reports. Federal law allows you to: · Get a free copy of your credit report every 12 months from each credit reporting company. · Ensure that the ...
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51 Who owns your credit score? Not you | CNN Business
https://www.cnn.com/2022/08/14/investing/credit-score-equifax-mistakes-discrimination
Equifax (EFX) said a sizable number — less than 300,000 people — saw a shift in their credit scores of 25 points or more because of the error.
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52 Fair Credit Reporting Act - Debt.org
https://www.debt.org/credit/your-consumer-rights/fair-credit-reporting-act/
The Fair Credit Reporting Act (FCRA) is a federal law that regulates credit reporting agencies and compels them to insure the information ...
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53 credit score | Wex | US Law | LII / Legal Information Institute
https://www.law.cornell.edu/wex/credit_score
The score is calculated based on an individual's credit history, which includes the number of open accounts the individual has, his/her repayment history, and ...
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54 Credit Reporting and Credit Scores
https://dbf.georgia.gov/credit-reporting-and-credit-scores
Apply for credit only when you need it. New accounts could lower your score by lowering the average age of all your accounts, and even closed accounts may be ...
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55 Credit Reporting | Consumer Protection Bureau
https://www.doj.nh.gov/consumer/sourcebook/credit-reporting.htm
Both federal and New Hampshire laws restrict credit reporting agencies' ... A credit reporting agency may furnish a report to a person that the reporting ...
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56 Does Medical Debt Impact Your Credit Score in 2022?
https://homebuyer.com/learn/medical-debt-credit-score
Our Advice: With medical debt gone, get your new credit score and a new pre-approval ... Effective July 1, 2022, credit scoring excludes medical ...
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57 Equifax, Experian, and TransUnion Support U.S. Consumers ...
https://www.experianplc.com/media/latest-news/2022/equifax-experian-and-transunion-support-us-consumers-with-changes-to-medical-collection-debt-reporting/
Effective July 1, 2022, paid medical collection debt will no longer be included on consumer credit reports. In addition, the time period before unpaid medical ...
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58 Credit Check Law: For Employees - CCHR - NYC.gov
https://www.nyc.gov/site/cchr/media/credit-check-law-for-employees.page
YOU ARE MORE THAN YOUR CREDIT SCORE. NYC agrees. A new law prohibits most businesses from checking or using your credit history for employment decisions. Click ...
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59 Check Your Credit Reports Regularly For Free
https://dos.ny.gov/check-your-credit-reports-regularly-free
A consumer can place a Fraud Alert or a Security Freeze on their credit report to help prevent further victimization. The New York State Department of State ...
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60 How Your Credit Score is Calculated - Wells Fargo
https://www.wellsfargo.com/financial-education/credit-management/calculate-credit-score/
Your payment history accounts for 35% of your score. This shows whether you make payments on time, how often you miss payments, how many days past the due date ...
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61 Free Annual Credit Reports: What Consumers Should Know
https://www.michigan.gov/ag/consumer-protection/consumer-alerts/consumer-alerts/credit/free-annual-credit-reports-what-consumers-should-know
Federal law gives you the right to get a free copy of your credit report from each of the three major credit reporting companies—Equifax, Experian, ...
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62 Credit Scores – 9.142 - CSU Extension
https://extension.colostate.edu/topic-areas/family-home-consumer/credit-scores-9-142/
New Regulations. In July 2011, the Adverse Action Rule section of the Dodd–Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111- ...
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63 Major credit bureaus are changing how they report unpaid ...
https://www.marketplace.org/2022/07/12/major-credit-bureaus-are-changing-how-they-report-unpaid-medical-bills/
And any new medical bills that patients rack up and don't pay right away ... debt that's gone into collections and onto their credit report.
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64 Good News: After July 1, Medical Debt is Taken Off the Credit ...
https://www.communitycatalyst.org/blog/good-news-after-july-1-medical-debt-is-taken-off-the-credit-reports-for-millions-of-people
As of July 1, 2022, all paid medical debt will be removed from credit reports. The time period that it will take for a medical debt to be placed ...
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65 The Fair Credit Reporting Act (FCRA) - Epic.org
https://epic.org/fcra/
The Fair and Accurate Credit Transactions Act of 2003 (FACTA), which amended the FCRA, now requires CRAs to disclose a consumer's credit score for a “fair and ...
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66 How Long Does it Take for a Credit Report to Update?
https://www.transunion.com/blog/credit-advice/how-long-does-it-take-for-a-credit-report-to-update
Your credit reports are updated when lenders provide new information to the nationwide credit reporting agencies for your accounts. This usually ...
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67 Privacy and Your Credit Report - Consumer Action
https://www.consumer-action.org/english/articles/privacy_and_your_credit_report_english
A new law allows California residents to "freeze" their credit reports, which prevents credit reporting agencies from giving potential creditors ...
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68 How an Insurance Company Can Use Your Credit Score to ...
https://disb.dc.gov/page/how-insurance-company-can-use-your-credit-score-determine-your-premium
You can improve your credit-based insurance score. Make payments on time. Pay bills, taxes and fines/fees as agreed. If you are behind on payments, catch up and ...
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69 FACT SHEET: The Biden Administration Announces New ...
https://www.whitehouse.gov/briefing-room/statements-releases/2022/04/11/fact-sheet-the-biden-administration-announces-new-actions-to-lessen-the-burden-of-medical-debt-and-increase-consumer-protection/
Worse, lawsuits against patients over medical bills are on the rise. ... In fact, including paid-off medical debt causes credit scores to ...
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70 Fact Sheet: FHFA Announcement of Credit Score Models
https://www.fhfa.gov/Media/PublicAffairs/Documents/CS-Fact-Sheet-2022.pdf
FICO 10T AND VANTAGESCORE 4.0 CREDIT SCORE. MODELS ... More Accurate Credit Scores: Part of the evaluation of new credit score models.
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71 Credit scoring: Improve or eliminate? - Brookings Institution
https://www.brookings.edu/events/credit-scoring-improve-or-eliminate/
These three-digit numbers, graded on a scale that resembles the SAT, have become more accessible to consumers due to recent changes in law, ...
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72 How changes in medical debt reporting could raise your credit ...
https://thepointsguy.com/news/medical-debt-credit-score-changes/
The credit bureaus will also stop adding new, unpaid medical collections to credit reports until those debts are 1 year old. And in 2023, ...
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73 Understanding How a FICO Credit Score is Determined
https://www.stlouisfed.org/education/continuing-feducation-video-series/episode-1-understanding-how-a-fico-credit-score-is-determined
To maintain a good credit score: Pay all bills on time and in full, this way you avoid late fees. Avoid opening new credit card accounts or installment ...
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74 Credit Scoring in the Era of Big Data
https://yjolt.org/credit-scoring-era-big-data
The recent advent of new “big-data” credit-scoring products heightens these ... While federal law prohibits certain forms of discrimination in lending and ...
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75 FICO Launches New Credit Scoring Model - Forbes
https://www.forbes.com/sites/alyyale/2020/01/23/fico-launches-new-credit-scoring-model-your-score-might-change--but-your-mortgage-prospects-probably-not/
FICO is launching a new scoring model this summer, called the FICO Score 10. · The new model will take into account a consumer's account balances ...
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76 Your Credit History - Consumer.gov
https://consumer.gov/credit-loans-debt/your-credit-history
What is a credit report? · your name, address, and Social Security number · your credit cards · your loans · how much money you owe · if you pay your bills on time ...
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77 Biden wants to change how credit scores work in America
https://fortune.com/2020/12/18/biden-public-credit-agency-economic-justice-personal-finance-racism-credit-scores-equifax-transuion-experian-cfpb/
The proposal suggests building a publicly run credit reporting agency within the Consumer Financial Protection Bureau (CFPB) that would ...
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78 Who owns your credit score? Not you - The Mercury News
https://www.mercurynews.com/2022/08/14/who-owns-your-credit-score-not-you
There is no legal way to opt out the powerful numerical picture of you that credit agencies paint. An Equifax executive testified before the ...
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79 Monitoring your Credit Report | Mass.gov
https://www.mass.gov/service-details/monitoring-your-credit-report
You have the right to know which credit reporting agency prepared the report that was used in the denial of your credit application. Under state law, you have ...
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80 How Do Medical Bills Affect Your Credit? - Capital One
https://www.capitalone.com/learn-grow/money-management/how-medical-bills-affect-credit/
Medical providers typically don't report to credit bureaus. · As of July 1, 2022, paid medical collection debt won't appear on consumer credit reports. · Starting ...
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81 A New Approach to Regulating Credit-Scoring AI
https://www.theregreview.org/2022/06/07/moss-new-approach-to-regulating-credit-scoring-ai/
Companies that employ credit scoring models use proprietary algorithms protected by trade secret laws, obscuring the methods used to obtain ...
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82 General Information - Credit Reports - Texas State Law Library
https://guides.sll.texas.gov/credit-reports
From the FTC: "The Fair Credit Reporting Act (“FCRA”) governs the collection, assembly, and use of consumer report information and provides the ...
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83 Credit Reports and Scores - Indiana Securities Division
https://securities.sos.in.gov/moneywise/credit/credit-reports-and-scores/
Federal law entitles you to three free credit report per year (one from each of the three major credit reporting agencies: Experian, Equifax, and TransUnion ...
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84 How social media posts could affect credit scores - UGA Today
https://news.uga.edu/how-social-media-posts-could-affect-credit-scores/
New alternative credit scoring systems present challenges not covered by the Fair Credit Reporting Act or the Equal Credit Opportunity Act.
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85 FICO Score Education
https://www.ficoscore.com/education
To even receive a FICO ® Score, you have to have enough recent information in your credit report. Generally, that means you must have at least one account ...
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86 Medical Debt To Come Off Millions Of Credit Reports | Bankrate
https://www.bankrate.com/finance/credit-cards/changes-impact-medical-debt-on-credit-reports/
Last week, the three major credit bureaus announced significant changes to how medical debt will affect Americans' credit scores.
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87 Credit reporting agencies will wipe out most medical debt
https://www.kcra.com/article/credit-reporting-agencies-will-wipe-out-most-medical-debt/39481601
Starting July 1, paid medical collection debt will no longer be included on consumer credit reports. Millions of Americans had credit scores ...
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88 House to vote on credit reporting reform bill - HousingWire
https://www.housingwire.com/articles/house-to-vote-on-credit-reporting-reform-bill/
The package also gives the Consumer Financial Protection Bureau the authority to test and regulate credit scoring models for accuracy and ...
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89 Use of Credit Information in 2022 Insurance Legislation
https://www.ncsl.org/research/financial-services-and-commerce/use-of-credit-information-in-2022-insurance-legislation.aspx
Credit Report ; Montana. No regular 2022 legislative session ; Nebraska. None ; Nevada. No regular 2022 legislative session ; New Hampshire. None.
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90 When Did Credit Scores Start
https://www.credit.com/blog/when-did-credit-scores-start-152354/
It accounts for approximately 35% of your scores. The payment history on your credit report shows lenders whether you paid your bills on time or ...
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91 The Fair Credit Reporting Act's Limited Preemption of State ...
https://www.federalregister.gov/documents/2022/07/11/2022-14150/the-fair-credit-reporting-acts-limited-preemption-of-state-laws
State laws that are not ``inconsistent'' with the Fair Credit ... who use a consumer report of a consumer in connection with any credit or ...
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92 What to know about how medical debt affects your credit rating
https://www.inquirer.com/news/medical-debt-credit-rating-changes-20220705.html
When that debt is factored into credit ratings, already vulnerable people may have an even harder time getting a car loan, mortgage or new ...
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93 The Truth About Credit Scores – 10 Myths Debunked - USAA
https://www.usaa.com/inet/wc/advice-finances-the-truth-about-credit-scores
They look at your payment history on everything from your credit cards and retail accounts to. Source: myFicoSee note1. Payment history (35%): ...
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