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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. 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 ...

  4. 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]

  5. How does a lender use your credit report? How do ... - AOL

    www.aol.com/does-lender-credit-report-employers...

    For premium support please call: 800-290-4726 more ways to reach us

  6. Overview of Experian CreditCenter - AOL Help

    help.aol.com/.../overview-of-experian-creditcenter

    Your VantageScore 3.0 from Experian indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0. VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting ...

  7. Your credit report is missing key data that lenders are ...

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

    Before the formation of the CFPB in July 2010, the Federal Trade Commission had this authority and, in 2009, wrote rules that required lenders to report credit card limits to the credit bureaus ...

  8. New York State Department of Financial Services - Wikipedia

    en.wikipedia.org/wiki/New_York_State_Department...

    The DFS has the authority to license and regulate service contract providers. [20] A list of the currently licensed service contractor providers can be found at Currently Registered Service Contract Providers. New York State and other states, such as California, [5] have the authority to fine or prosecute unlicensed service contract providers. [21]

  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]