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PayPal sues US regulator over ‘confusing’ prepaid card rules

PayPal is a hugely popular option for transferring funds, but the legal status of digital payment systems continues to be contentious. As reported by the Wall Street Journal, PayPal is suing the consumer protection agency for the financial sector in the US, the Consumer Financial Protection Bureau (CFPB). The company is challenging regulations introduced by the CFPB in April this year which required PayPal accounts and other digital wallets to guarantee the same consumer protections as prepaid credit cards.

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FHA Loan limits

FHA borrowers will get a bigger budget when it comes to buying a home. The Department of Housing and Urban Development (HUD) recently announced an increase in FHA loan limits for most U.S. counties in 2020.

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Equifax settlement cash might not be what you expect

More than 15 million victims of the 2017 Equifax data breach have put in claims for redress in the form of credit monitoring or money, according to new court filings.

Following one of the largest breaches ever to threaten Americans’ private information — 147 million people were affected — there have been over 3.3 million claims for credit monitoring and over 4.5 million claims for money, the filing shows that.

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A Private Equity-Owned Doctors’ Group Sued Poor Patients Until It Came Under Scrutiny

After nine visits to the emergency room at Baptist Memorial Hospital in Memphis, Tenn., in 2016 and 2017, Jennifer Brooks began receiving bills from an entity she’d never heard of, Southeastern Emergency Physicians.

Unsure what the bills were for, Brooks, a stay-at-home mother, said she ignored them until they were sent to collections. She made payment arrangements, but when she was late, she said the collection agency demanded $500, which she didn’t have.

 

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Fico vs Fake O

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Student loan reform group sues Education Secretary Betsy DeVos and CFPB Director Kathy Kraninger

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A group of consumer advocates is suing both the Department of Education and America’s consumer watchdog for allegedly siding with predatory student loan servicers over millions of indebted borrowers amid a $1.5 trillion student debt crisis.

Democracy Forward, a nonprofit legal organization on behalf of the nonprofit advocacy group Student Debt Crisis, brought the lawsuit against the Trump administration — specifically Education Secretary Betsy DeVos, Consumer Financial Protection Bureau (CFPB) Director Kathy Kraninger, and their respective agencies — for “shirking their legal obligation” in supervising student loan servicers, especially those who handle federal loans.

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Deadline approaching to claim settlement from Equifax data breach

NEW YORK STATE (WSYR-TV) — If you were affected the 2017 Equifax data breach and are interested in claiming some of the settlement, the deadline is fast approaching.

If you decide to opt out of the settlement and file your own claim, you have to reserve your right to sue Equifax related directly to the data breach by sending a letter of exclusion. This has to be done by Tuesday, November 19th.

Deadline approaching to claim settlement from Equifax data breach

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Debt collection company to pay $4M to Massachusetts

Attorney General Maura Healy in a statement Monday said Virginia-based Portfolio Recovery Associates LLC “systematically and repeatedly broke our laws” and went after low-income, elderly, and disabled consumers.

 

The settlement will be used to pay back thousands of consumers.

 

 

 

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Jim Flynn: Consumer agency’s fate lies with Supreme Court

The legal structure of the Consumer Financial Protection Bureau is once again in the news.

The U.S. Supreme Court agreed Oct. 18 to review a decision by the 9th Circuit Court of Appeals upholding the constitutionality of the CFPB. The case began when the CFPB demanded documents from a debt collection law firm and the law firm refused to comply, arguing the CFPB’s structure violated separation of powers provisions in the Constitution. The trial court agreed; the 9th Circuit did not.

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Equifax Data Breach Class Counsel Wants $77 Million in Fees

Attorneys representing the 147 million Americans affected by the 2017 Equifax Inc. data breach asked the Northern District of Georgia Oct. 29 for 20% of proposed class settlement fund.

The deal “is historic, exceeding the value of all previous consumer data breach settlements combined,” class counsel said in its motion for attorneys’ fees.

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LEARN CREDIT

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Need Help?

Are you or some you know having trouble with collection accounts on credit reports? If so, give us a call 302-225-7700!

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Why mortgage delinquencies are at a 12-year low

There’s a lot of talk about a looming recession in the U.S. economy. But according to one data point, the economy looks pretty healthy.

Mortgage delinquency rates, for single- to four-family properties, have been declining since the Great Recession. At 2.59% in second quarter of this year, according to the Federal Reserve, the rate is at its lowest level since 2007.

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Debunking a credit score myth. No, you shouldn’t leave a balance on your card.

There is soo much wrong with this article, where do I begin?

#1 The writer is incorrect that carrying a small balance on a credit card is not good correct, it actually is. However to clarify, the reason the lender in this example gave, is dead wrong. Credit cards will report and update regardless of whether they are used in a given month or not. However carrying a small balance(ON ONLY ONE CARD) does in alot of cases lead to a slightly higer score becase it prevents a specific “reason code” from triggering.

2. The other mistake this writer made was to ask a “real estate expert” thier opinion on what the mortage lender said, in this case. In either situation you are speaking to someone who is not an expert in FICO scoring. The “Real Estate Expert” also was dead wrong about “different ypes of credit lines” being a key component. Actually having a healthiy “Mix” of credit does amtter, but it accounts for only 10% of the FICO calculation.

The takeaway from this is, dont ask your tailor for advice on buying a diamond ring. He/She may have an opinion, but is not qualified to give it.

 

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Hedge Funds Have Never Been This Bullish On Fair Isaac Corporation (FICO)

Is Fair Isaac Corporation (NYSE:FICO) a good equity to bet on right now? We like to check what the smart money thinks first before doing extensive research on a given stock. Although there have been several high profile failed hedge fund picks, the consensus picks among hedge fund investors have historically outperformed the market after adjusting for known risk attributes. It’s not surprising given that hedge funds have access to better information and more resources to predict the winners in the stock market.

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Does Experian plc’s (LON:EXPN) -15% Earnings Drop Reflect A Longer Term Trend?

For investors, increase in profitability and industry-beating performance can be essential considerations in an investment. Below, I will examine Experian plc’s (LSE:EXPN) track record on a high level, to give you some insight into how the company has been performing against its long term trend and its industry peers.

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California District Court Certifies FCRA Class Action Against Experian after Servicer Went out of Business

In a case originally filed in March 2016, and following the successful appeal of a grant of summary judgment in favor of Experian Information Solutions, Inc. (“Experian”), Judge Andrew Guilford of the United Stated District Court for the Central District of California certified a class of consumers whose reporting by Experian was allegedly “misleading” after a loan servicer went out of business.

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Qwest Can Help You!

At Qwest, we not only provide credit solutions, we also make sure each client obtains a comprehensive understanding of credit and credit scoring. Call us now!! 302-225-7700

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Consumers must deal with more red tape to get cash from Equifax settlement

Consumers must jump through some more hoops to get a cash payout from the huge Equifax data breach settlement.

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Average FICO score hits all-time high

When it comes to credit, Americans are scoring better than ever.

For the first time, the average national credit score has reached 706, according to FICO, the developer of one of the most commonly used scores by lenders.

FICO scores range from 300 to 850. A good score generally is above 700, and those over 760 are considered excellent.

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TransUnion Inaccurate Credit Report Class Action Lawsuit (Up to $2,000)

According to the lawsuit, consumers reported that their credit reports contained false records of civil judgement and/or tax liens. Inaccurate credit reports can harm a person’s ability to secure a loan, as well as affect their interest rates they qualify for on loans they do obtain and can even affect employment prospects. After a claim is filed, the TransUnion alternative dispute resolution program has 20 days to review the information. So if you are eligible, file a claim by March 20, 2020 to receive your potential award!

TransUnion Inaccurate Credit Report Class Action Lawsuit (Up to $2,000)

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FICO scores for refi borrowers reach six-year high, Ellie Mae says

The average credit score of borrowers who refinanced mortgages in July with loans backed by Fannie Mae and Freddie Mac rose to a six-year high, according to an Ellie Mae report. The score was 750, up from 742 in June.

Low mortgage rates are attracting more creditworthy borrowers who are looking to improve their household balance sheets by lowering their monthly bills. About 9.7 million mortgage borrowers are “refi eligible,” meaning there’s at least a 0.75% difference between the financing costs they currently have and mortgage rates now available, according to Black Knight. Those borrowers would save an average $267 a month on their mortgage bills, measuring just principal and interest, Black Knight said earlier this month.

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THE CONSUMER BUREAU’S RECKLESS PLAN FOR DEBT COLLECTION

WE LEARN IN email 101 that hyperlinks from unfamiliar senders are breeding grounds for scams. Microsoft has warned against clicking on foreign links for decades. The Federal Trade Commission has repeatedly cautioned Americans to be wary of malware and phishingexpeditions.

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Fico vs Fake – O

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TransUnion maps consumer data for TrueVision credit reporting

https://www.finextra.com/pressarticle/79237/transunion-maps-consumer-data-for-truevision-credit-reporting

Global information solutions provider TransUnion has announced the launch of TrueVision – a suite of trended data capabilities which can fundamentally transform the way finance providers understand and evaluate their customers.

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Court Balks at Unencrypted Collection-Letter Barcodes

Court Balks at Unencrypted Collection-Letter Barcodes

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Fair Isaac Corp (FICO) President and CEO William J Lansing Sold $5.4 million of Shares

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Equifax settlement: How much time you have to file your Equifax claim

Nearly half of the US population was affected in the 2017 Equifax data breach. But if you were one of the 147 million people whose data was exposed as part of the hack, you don’t have to rush to file a claim to be compensated for the time and money you spent recovering from the database breach of the free credit reporting company.

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Equifax Settlement Just Reached $800 Million

Latest News Equifax will pay at least $800 million — and potentially much more — to settle lawsuits over a 2017 data breach that exposed the Social Security numbers and similar sensitive information of roughly half of the U.S. population.
The settlement with federal authorities and states, reached Monday, includes up to $425 million in monetary relief to consumers, a $100 million civil penalty, and other offers to the nearly 150 million people who could have been affected. It can’t, however, guarantee safety for individuals whose stolen information could circulate on the internet for decades.

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Consumers could get up to $20,000 apiece in Equifax settlement — how to get your share

Two years after Equifax revealed that hackers accessed the personal information of up to 147 million people, the credit bureau’s newly-announced settlement for up to $700 million will provide cash payments for those who have been affected — but there are some key requirements people should be aware of before they file a claim.

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Fico vs Fake – O

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CFPB and FTC

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