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Latest Blog & Articles
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How Do I Report an Account in Dispute?
When a consumer disputes the accuracy or completeness of information on their credit report, furnishers are required to take immediate action to ensure the disputed account is clearly marked and that the dispute is resolved in a timely, legally compliant manner. Properly flagging an account in dispute ensures transparency, protects the consumer’s rights, and fulfills…
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How Do I Report an Account for a Consumer Who Has Moved Out of the Country?
When a consumer relocates internationally, whether permanently or for an extended period, their existing accounts must continue to be reported accurately and lawfully. A consumer’s physical location does not relieve them of their financial obligations, nor does it negate a data furnisher’s responsibility under the Fair Credit Reporting Act (FCRA) to ensure that account data…
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Can I Report a Delinquent Account if the Borrower Is Now Deceased?
When a borrower passes away while carrying a delinquent account, furnishers must handle the situation sensitively and accurately. Reporting the account of a deceased consumer carries legal, regulatory, and reputational considerations. The Fair Credit Reporting Act (FCRA) and Metro 2® guidelines provide specific instructions to prevent misreporting and to protect surviving family members and the…
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