Each year, millions of Americans sign up for health coverage during Open Enrollment, and scammers take full advantage of this opportunity. Fake emails, phone calls, and text messages are flooding inboxes, all designed to steal your personal and financial information. If you fall victim, the consequences can go far beyond losing money. Stolen data is
When “STOP” Doesn’t Mean Stop: Your Rights Under the TCPA for Unwanted Promotional Texts In today’s world, promotional text messages are everywhere, offering deals, discounts, and updates from retailers, restaurants, and service providers. But what happens when you’ve had enough and reply “STOP”—yet the texts keep coming? Under the Telephone Consumer Protection Act (TCPA), that
In recent years, a new kind of financial product has been spreading quickly across the country—promoted as a “home equity investment” or “shared equity agreement.” These companies promise quick cash with no monthly payments. They say they’re “partners” in your home’s future value. But according to multiple courts across the United States, these so-called investments
Imagine checking your mail and finding a letter from TransUnion, one of the three major credit bureaus that holds the keys to your financial identity. At first, you might expect routine account information. Instead, you discover unsettling news: your Social Security number, date of birth, and other sensitive details may have been exposed in a
If you’re a rideshare driver, your ability to earn an income depends on passing a background check. Unfortunately, we’re seeing a troubling new pattern: Checkr background checks misreporting cell phone violations as “minor driving with alcohol” charges. This error has already shown up in multiple cases, most recently in Santa Clara County, California, and it’s
If you live in New Jersey and have had your criminal record sealed or expunged, that information should never appear on a background check for a job, housing, or professional license. Unfortunately, many private background check companies still report outdated or inaccurate criminal history, including records that the courts have already removed. This is a
When you lease a car or take out a loan, you expect your credit report to reflect accurate information. Unfortunately, that doesn’t always happen—and when it doesn’t, the consequences can be serious. A recent decision by the U.S. Court of Appeals for the Third Circuit shows that consumers have rights under the Fair Credit Reporting
In April 2025, the U.S. Department of Veterans Affairs (VA) announced it would be ending its VA Servicing Purchase (VASP) program — a last-resort option that allowed the VA to purchase certain delinquent VA-backed loans from mortgage servicers and offer veterans affordable repayment terms. The program will stop accepting new applications after May 1, 2025, leaving
In today’s digital age, peer-to-peer (P2P) payment platforms like Venmo, Zelle, Apple Cash, and Cash App make it easier than ever to send and receive money. Whether you’re splitting dinner with a friend or paying rent, millions of consumers rely on these services every day. But what happens if something goes wrong—like a fraudulent transaction
In a significant win for consumers, the U.S. Court of Appeals for the Fourth Circuit recently ruled that companies reporting information to credit bureaus—known as “furnishers”—can be held accountable under the Fair Credit Reporting Act (FCRA) for failing to investigate disputes that involve both legal and factual issues, as long as the disputed information is