Useful List of all Credit Reporting Agencies

Useful List of all Credit Reporting Agencies Most people are familiar with Experian, Equifax and Trans Union, but there are many more credit reporting agencies (CRAs) that are unknown to most people. The Consumer Financial Protection Bureau has published a list of all the CRAs. The publication lists the CRAs that provide free personal consumer reports with their latest company name and report request information, information consumers may use to link to the Bureau’s original content. It also provides names of parent and subsidiary companies so readers can research company names in the Bureaus Consumer Complaint Database. The list has...

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What’s Wrong with the Credit Reporting System

What’s Wrong with the Credit Reporting System On September 10, 2014, the House of Representatives SubCommittee on Financial Institutions and Consumer Credit heard testimony on the current state of the consumer credit reporting system. Mr Stuart Pratt, who is with the industry trade association, the Consumer Data Industry Association, testified that all was well with the system, except that there are too many class actions against his member companies. Ms Chi Chi Wu, an attorney with the National Consumer Law Center, testified that the credit reporting system is neither fair nor completely accurate and as a result tens of millions...

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