Being approved for a loan or credit card does not necessarily mean you received the lender’s most favorable terms. If information in your consumer report contributed to a higher interest rate or other materially less favorable terms, you may receive a risk-based pricing notice explaining that your credit report affected the offer. The notice can […]

If you were denied an apartment because of information in a credit report or tenant screening report, the adverse action notice can help you identify what happened and where to start challenging an error. Under the Fair Credit Reporting Act, or FCRA, a landlord who takes adverse action based in whole or in part on […]

A credit report error can appear with only one credit bureau because Equifax, Experian, and TransUnion do not necessarily receive, match, process, or update exactly the same information at the same time. Finding an error on one report while the other two look correct does not make the error less important. It may actually help […]

Finding accounts, addresses, debts, or other information belonging to someone else on your credit report can be alarming. One possible explanation is a mixed credit file, which occurs when a credit reporting company combines information belonging to two different consumers into the same file. The Consumer Financial Protection Bureau identifies accounts belonging to someone with […]

RentGrow tenant screening errors are at the center of a federal enforcement action involving a $2.25 million civil penalty judgment and an injunction. On August 12, 2026, the U.S. Department of Justice announced that a federal court had entered a stipulated order resolving allegations that RentGrow violated the Fair Credit Reporting Act (FCRA) and the […]

What Is Consumer Protection Law in Illinois?   Consumer protection law is the group of federal and Illinois laws that protects people from certain unfair, deceptive, abusive, or unlawful business practices. These laws can apply when a company advertises a service, collects a household debt, reports credit information, performs a background check, sells credit-repair or […]