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Consumer Reports (CR), formerly Consumers Union (CU), is an American nonprofit consumer organization dedicated to independent product testing, investigative journalism, consumer-oriented research, public education, and consumer advocacy.
Credit reports are legal to use for employment screening in all states, although some have passed legislation limiting the practice to only certain positions. John Ulzheimer, president of The Ulzheimer Group and the founder of CreditExpertWitness.com, stated in a CNBC report that, "[credit scores] indicate if you're in financial distress. These ...
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The FTC tracks various scams and reports on other sites that provide fake credit reports or charge fees for their services. [51] Instances of illegal behaviors by credit report services have been settled in court such as that of Experian Consumer Direct that was charged with deceptively signing people up for credit report monitoring services ...
A collection account can lower your credit score by 25, 50 or even 100 points or more when it shows up on your credit report. Even worse, it can remain on your credit report for up to seven years ...
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