How to lower utilization without closing your good cards
Credit tips • Score improvement
Closing cards can shrink available credit and make the ratio worse. Start by knowing which balances are hurting the most.
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Weekly check-in
What to bring to your first credit repair call
Consultation prep • Credit repair
A little prep goes a long way. These are the details that help a first conversation feel clear, useful, and worth your time.
Read articleStart your week with one credit move that actually matters
Credit habits • Weekly check-in
If your report feels overwhelming, start with the one number or account that will make the clearest difference this week.
Read articleHolding Credit Reporting Companies Accountable for Junk Data
Consumer finance • Credit news • Credit reporting
Including junk data and mistakes on people's credit reports is against the law.
Read articleCreditRepair.com and Lexington Law refund checks: What you need to know
Consumer finance • Credit news • Credit repair
Over 4 million consumers harmed by Lexington Law and CreditRepair.com’s illegal credit repair activities will receive refund checks beginning in December.
Read articleCFPB launches public comment process for open banking standard setter recognition
Consumer finance • Credit news • Industry news
The public can submit comments on open banking standard-setter applications to ensure the development of fair and effective open banking standards that serve the interests of all stakeholders, especially consumers.
Read articleWhat we're learning: Medical debt's impact on Alaska Native communities
Consumer finance • Credit news • Debt awareness
There is a disproportionate impact of medical debt on American Indian and Alaska Native consumers, in Alaska and across the United States.
Read articleWhat Buy Now, Pay Later lenders are doing to be upfront with borrowers
Consumer finance • Credit news • Lending trends
The CFPB has received feedback on its BNPL interpretive rule and will now provide more clarity and guidance on company compliance and the benefits to consumers.
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