Troutman Sanders
NOVEMBER 18, 2022
On November 17, the Consumer Financial Protection Bureau (CFPB) announced it is seeking public comment on its proposal to develop a new data set to better monitor the auto loan market. The CFPB will be accepting comments on its proposal until December 19. Auto finance continues to be on the top of the CFPB’s radar.
Troutman Sanders
APRIL 24, 2023
provides a nuts-and-bolts analysis of what does not constitute inaccurate credit reporting for purposes of the FCRA. The pro se plaintiff in Shelton alleged that her lender violated the FCRA by erroneously reporting her auto loan as charged-off, i.e., written off as a loss and closed. Americredit Financial Services, Inc.
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Better Credit Blog
DECEMBER 2, 2020
Hard inquiries happen once you apply for a credit card or loan, and sometimes when you submit a rental application or submit to a background check for a job. Lenders access your entire credit report from Experian, Equifax, TransUnion, or all three bureaus. Repossessions. Hard Inquiries. A hard inquiry is more invasive.
Better Credit Blog
DECEMBER 2, 2020
Hard inquiries happen once you apply for a credit card or loan, and sometimes when you submit a rental application or submit to a background check for a job. Lenders access your entire credit report from Experian, Equifax, TransUnion, or all three bureaus. Repossessions. Hard Inquiries. A hard inquiry is more invasive.
Better Credit Blog
DECEMBER 30, 2020
Wondering why DFS/Webbank showed up on your credit report? Most of the time, a hard inquiry from a lender or service provider is nothing to panic over. a revolving line of credit for financing Dell products. How Does a DFS/Webbank Hard Inquiry Impact Your Credit Report? Credit Karma. Credit Sesame.
Better Credit Blog
DECEMBER 31, 2020
Citi is a popular bank that provides credit cards for a wide range of retail stores like The Home Depot. With The Home Depot, in particular, Citi offers four credit options: Consumer Credit Card. When you apply for any one of these cards, loans, or credit accounts, you authorize Citibank to run a hard credit check.
Better Credit Blog
DECEMBER 18, 2020
A soft inquiry or credit pull occurs when you take a look at your score online using a credit monitoring app , or when prospective lenders check your score to pre-approve you for certain loans or card offers. It allows lenders to gain access to your full credit reports from one or more of the credit bureaus.
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