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Latest Blog & Articles
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How Do Credit Inquiries Affect My Credit Score and How Are They Reported?
What is the difference between hard and soft credit inquiries, how are they reported, and what impact do they have on your credit score under FCRA and Metro 2® guidelines? Credit inquiries are a routine part of the credit reporting process, but not all inquiries are created equal. Understanding how inquiries are reported and how…
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What Is the Correct Way to Report Accounts That Have Been Transferred, Sold, or Acquired?
How should data furnishers report accounts that have been transferred, sold, or acquired to ensure accuracy, avoid duplicate tradelines, and comply with FCRA and Metro 2® guidelines? Account transfers, sales, and acquisitions are common in the credit industry, but if not reported correctly, they can lead to duplicate tradelines, consumer confusion, and compliance risks. The…
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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 with FCRA and Metro 2® guidelines? Credit report disputes are a persistent challenge for both consumers and data furnishers. While the Fair Credit Reporting Act (FCRA) guarantees consumers the right to dispute…
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