Chi Chi Wu

Senior Attorney

Chi Chi Wu is a senior attorney at NCLC focusing on consumer credit issues, including legislative, administrative, and other advocacy. Chi Chi’s specialties include fair credit reporting, credit cards, and medical debt. Before joining NCLC, Chi Chi worked in the Consumer Protection Division at the Massachusetts Attorney General’s office and the Asian Outreach Unit of Greater Boston Legal Services. Chi Chi is a graduate of Harvard Law School and The Johns Hopkins University.

Chi Chi is lead author of the legal manual Fair Credit Reporting, and a contributing author to Consumer Credit Regulation and Truth in Lending.

Featured Work

Wharton Fintech Podcast: The Broken Credit Reporting System

In this episode of the Wharton Fintech Podcast, host Ryan Zauk sits down with Chi Chi Wu to discuss: The Fair Credit Reporting Act’s strengths and weaknesses The Big 3 Credit Bureaus…what’s broken, and how we can fix it Pros and cons of the new alternative data boom COVID’s devastating effects on individual credit Her…

MIT Technology Review: Can AI fix your credit?

Credit scores have been used for decades to assess consumer creditworthiness, but their scope is far greater now that they are powered by algorithms. Not only do they consider vastly more data, in both volume and type, but they increasingly affect whether you can buy a car, rent an apartment, or get a full-time job.…

Digital Library: Data Gatherers Evading the FCRA May Find Themselves Still in Hot Water

Three 2019 decisions from Second, Seventh, and Ninth Circuits, discussed below, have allowed companies that share data on consumers to evade Fair Credit Reporting Act (FCRA) requirements. This article points out that these firms should be careful what they wish for. Consumers may still be in a position to sue them even if they are…