FTC: Surprise Credit Card Rate-Lowering Offers Are a Red Flag
The FTC says cold calls offering quick interest-rate relief often depend on fees, vague promises, and pressure that do not solve the real debt problem.
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CFPB’s 2025 Complaint Report Keeps Credit Reporting at the Center of Consumer Friction
The CFPB’s annual complaint report for 2025 continued to highlight how often consumers are still running into trouble with credit reporting and related complaint handling.
Unexpected Calls About Unclaimed Funds? FTC Says Treat Them Like Phishing
The FTC warned consumers at the end of March that unclaimed-property calls and texts can be a phishing play for fees, personal information, or both.
FTC Warns Debt-Relief Scams Still Rely on Upfront Fees and Fast Promises
The FTC’s late-March alert said consumers looking for debt relief should be skeptical of anyone demanding fees up front or guaranteeing quick loan forgiveness or full debt settlement.
FTC: Conflict Headlines Are Being Reused in Bank and Charity Scams
An FTC March alert explained how scammers were using Iran-related headlines to create fake fraud alerts, fake military emergencies, and fake charity appeals.
Fake Side-Hustle Offers Can Turn Debt Stress Into Identity Theft
The FTC warned that fake side-hustle offers are targeting people trying to catch up on bills, often by stealing bank details or Social Security numbers instead of offering real work.
FTC Reminder: Debt Collectors Must Provide Key Details Before You Pay
The FTC reminded consumers in February that a collector’s demand is not enough by itself. Before paying, consumers should confirm the debt is real and review the validation information.
FTC Pushes Early-Year Budget and Credit Checkups for Consumers
An FTC early-year planning alert highlighted budgeting, debt help, and credit-report review as practical steps consumers can take before problems become emergencies.
Identity Theft Awareness Week Starts With a Credit-Protection Reminder
The FTC opened Identity Theft Awareness Week by pointing consumers back to the basics: watch for identity misuse early, use recovery tools fast, and protect credit before fraud spreads.
Questions to Ask About Payment History
A practical guide to payment history, the records to check, and the next steps to consider.
Common Mistakes People Make With Payment History
A practical guide to payment history, the records to check, and the next steps to consider.
A Step-by-Step Checklist for Payment History
A practical guide to payment history, the records to check, and the next steps to consider.
Common Mistakes People Make With Credit-builder Loans
A practical guide to credit-builder loans, the records to check, and the next steps to consider.
Questions to Ask About Rapid Rescoring
A practical guide to rapid rescoring, the records to check, and the next steps to consider.
Questions to Ask About Late Payment Reporting
A practical guide to late payment reporting, the records to check, and the next steps to consider.
A Step-by-Step Checklist for Late Payment Reporting
A practical guide to late payment reporting, the records to check, and the next steps to consider.