CREDIT FAIRNESS

Everyone deserves equal access to fair and accurate credit scores.
For too long, the credit reporting industry has operated without adequate regulation or oversight. Because of this, we’ve spoken with hundreds of people who have unfairly been denied lending applications, lost job opportunities or their actual jobs based on false data, and made poor financial decisions justified by the thought of building a credit score. These are just a few examples of how the current system is unfair and harmful when left without checks and balances.
Credit fairness is a complex topic, but it’s one that we feel passionately about at National Legal Center. We’re taking action and having conversations to advocate and call for credit equality, policy advancement and transparency in the credit reporting industry.

Credit Lock vs. Credit Freeze: What’s the Difference?
You have options to protect your credit, such as placing a credit freeze or a credit lock on your credit report, but which one is right for you? Both can be valuable tools in combating identity theft, but how do they differ? Let’s compare the key features of each so you can make an informed decision about which is right for your situation.

How to Freeze Your Credit to Prevent Identity Theft
There’s a simple but powerful tool at your disposal to protect yourself—a credit freeze. This under-utilized preventive measure serves as a first line of defense, safeguarding your financial future from the prying eyes of scammers.

6 Ways to Take Control of Your Credit in 2022
As we move into the New Year, many of us are looking for ways to improve our lives. One area where many people could use some help is their credit score. Your credit score reflects your financial health and can affect everything from your ability to get a loan to the interest rate offered on […]

Free Credit Reports Every Week
While having a credit lawyer can be very helpful in dealing with trouble on your credit report, a personal review and basic understanding is always the first step. Surprising Information About Credit Reports Do you know how frequently your credit report is updated? It may surprise you that creditors or collection agencies can report account […]