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  2. Criticism of credit scoring systems in the United States

    en.wikipedia.org/wiki/Criticism_of_credit...

    The expansion of accessible credit can come with a downside of exclusion as people with poor credit (those that are considered high risk by credit scoring systems) become dependent on short-term alternatives such as licensed money lenders (the home credit industry), pawn brokers, payday lenders, and even loan sharks. [20]

  3. Fair Credit Reporting Act - Wikipedia

    en.wikipedia.org/wiki/Fair_Credit_Reporting_Act

    Under the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the FCRA passed in 2003, consumers are able to receive a free copy of their consumer report from each credit reporting agency once a year. [7] The free report can be requested by telephone, mail, or through the government-authorized website: AnnualCreditReport.com. [8]

  4. Your credit report is missing key data that lenders are ... - AOL

    www.aol.com/finance/credit-report-missing-key...

    The weird thing: That information used to be in my credit report up until 10 years ago, when the biggest credit card companies stopped reporting that payment data because it created too much ...

  5. California Department of Financial Protection and Innovation

    en.wikipedia.org/wiki/California_Department_of...

    The DFPI protects California consumers and oversees the operations of state-licensed financial institutions, including banks, credit unions, debt collectors, nonbank mortgage lenders, student loan servicers, money transmitters, and others. Additionally, the department licenses and regulates a variety of financial businesses, including ...

  6. ‘Many households still struggling’ as lenders report rise in ...

    www.aol.com/many-households-still-struggling...

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  7. Home Mortgage Disclosure Act - Wikipedia

    en.wikipedia.org/wiki/Home_Mortgage_Disclosure_Act

    As the name implies, HMDA is a disclosure law that relies upon public scrutiny for its effectiveness. It does not prohibit any specific activity of lenders, and it does not establish a quota system of mortgage loans to be made in any Metropolitan Statistical Area (MSA) or other geographic area as defined by the Office of Management and Budget. [3]

  8. Understanding the mortgage underwriting process - AOL

    www.aol.com/finance/understanding-mortgage...

    A lender doesn’t want to lend money for a house that has legal claims on it. That’s why a title company performs a title search to make sure ownership of the property can be legally ...

  9. Credit bureau - Wikipedia

    en.wikipedia.org/wiki/Credit_bureau

    A credit bureau is a data collection agency that gathers account information from various creditors and provides that information to a consumer reporting agency in the United States, a credit reference agency in the United Kingdom, a credit reporting body in Australia, a credit information company (CIC) in India, a Special Accessing Entity in the Philippines, and also to private lenders. [1]