What Are the Most Common Reasons for Credit Report Disputes—and How Can They Be Prevented?
Why do consumers frequently dispute items on their credit reports, and what steps can data furnishers take to reduce errors and ensure compliance…
Category: Payment Behaviors
How Should Data Furnishers Handle Accounts Impacted by Natural Disasters or Special Payment Arrangements?
What are the correct procedures for reporting accounts affected by natural disasters, forbearance, or special payment arrangements, and how do FCRA and Metro…
What Happens to My Credit Report When I Settle, Pay Off, or Negotiate a Debt?
How are paid, settled, or negotiated debts reported to credit bureaus, and what are the compliance requirements and consumer impacts under FCRA and…
How Are Authorized Users and Joint Accounts Reported?
What is the difference between authorized users and joint account holders, and how should each be reported to ensure compliance with FCRA and…
How Do I Report an Account When the Borrower Is Deceased?
When a borrower passes away, their credit file must be updated promptly and accurately to prevent identity theft, reduce the risk of fraudulent…
How Do I Report an Account That Is in Dispute?
When a consumer disputes an account, they are challenging the accuracy, completeness, or validity of the reported information. Under the Fair Credit Reporting…
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