What is a mortgage servicer? A mortgage servicer is a company that manages your mortgage. The mortgage servicer can be the mortgage holder—the bank or investor that actually loaned you the money for your mortgage, or one of the federalREAD MORE
Consumer Rights
Owning a home is a pivotal moment in many people’s lives, and a key step towards financial independence. Research by Zillow showed that 74% of homeowners with a fixed-rate mortgage experience stable monthly housing costs, while a study by theREAD MORE
—a rising problem at car dealerships, especially for seniors. A spreading problem at car dealers occurs when the dealership fills out the finance application and misrepresents the monthly income of the car buyer. Dealers do this to make car sales—aREAD MORE
In today’s job market, an increasing number of employers rely on criminal background check reports during their hiring process. However, these reports, often from consumer reporting agencies (CRAs), can have serious errors and inaccuracies that affect your chances of beingREAD MORE
The Electronic Fund Transfer Act (EFTA) of 1979, also known as Regulation E, is a United States federal law that was enacted to protect consumers engaging in electronic fund transfers (EFTs). This law covers various types of transfers including ATMREAD MORE
Is your credit score lower than it should be? The wrong information on your credit report might be the culprit. When this happens, you have the right to file a credit report dispute. However, almost 50% of all disputes areREAD MORE
In today’s competitive housing market, applying for a new apartment or house can be a rigorous process full of paperwork, background checks, and financial scrutiny. However, for some, the application process can be a nightmare. Imagine this: you’ve finally foundREAD MORE
As a major player in the financial world, the credit reporting agency Equifax has grappled with data security breaches, privacy issues, and consumer rights violations. In 2017, the company suffered a massive data breach which compromised approximately 147 million people’sREAD MORE
It may surprise you to know that one in four American consumers have found mistakes in their credit files. And not simple mistakes either – sometimes, someone else’s credit information can show up in your report. When this happens yourREAD MORE
According to the FBI, elder fraud cost a staggering $1.7 billion in 2021. Scammers often target older adults – those age 60 and older – because they believe they have substantial savings and are not tech-savvy. However, it’s not justREAD MORE