The Truth About Credit Reports & Credit Repair Companies
Fact sheet explaining what to look for in a credit report and what to do with errors.
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Time to Stop Racing Cars: The Role of Race and Ethnicity in Buying and Using a Car
For many in America, a car provides not only physical mobility but also economic mobility. Yet for years, studies have shown that the costs of buying, financing, and using a car can vary based on race or ethnicity.
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Fintech and Consumer Protection: A Snapshot
The use of technology in financial products and services (fintech) is resulting in a wide array of new approaches to financial products and services. The internet, mobile devices, big data, computer algorithms, and other technologies are impacting the way we borrow, make payments, and manage our money. These technologies are also changing the way that…
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Report: Commercialized (In)Justice 2019
Consumer abuses in the bail and corrections industry Since 1980, the number of people incarcerated in America increased from roughly 500,000 to over 2.2 million, and currently 4.5 million people across the nation are on probation or parole. During this time, state and local governments have sought to shift the cost of operating the criminal…
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Reversing Energy System Inequity: Urgency and Opportunity During the Clean Energy Transition
Families in America with the least means pay disproportionately more for their electricity, sometimes lacking basic access to service altogether. It’s a fundamental inequity of our current energy landscape, and one that can lead to dangerous repercussions. It’s also a challenge we can absolutely address, and the sweeping changes transforming the power sector today are…
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The Rent-to-Own Racket: Using Criminal Courts to Coerce Payments from Vulnerable Families
In states across the country, the rent-to-own (RTO) industry is abusing the criminal system to extract payment from low-income consumers who have fallen behind on payments on abusive contracts. Under little-known laws often written years ago by the industry lobby, RTO companies are able to turn a dispute over a furniture set into threats of…
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Automated Injustice Redux: Ten Years After a Key Report, Consumers Are Still Frustrated Trying to Fix Credit Reporting Errors
Ten years ago, the National Consumer Law Center (NCLC) issued Automated Injustice: How a Mechanized Dispute System Frustrates Consumers Seeking to Fix Errors in their Credit Reports, the landmark report on the serious dysfunctions in the American credit reporting system. Since then, the Consumer Financial Protection Bureau (CFPB) began exercising supervision authority over the Big…
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