How to dispute a credit report error: what the FTC and CFPB say to do
Both the credit bureau and the company that reported the item must fix wrong or incomplete information, for free. Here is the process the FTC and CFPB lay out.
Just in
- Michigan erases over $21 million in medical debt for 9,767 residents in third round
- Michigan erases over $21 million in medical debt for nearly 10,000 residents
- Ohio scam warnings: fake court-fine texts and gold-coin 'officer' schemesOhio
- Education Department drops two appeals over blocked PSLF employer rule
- California 30-year mortgage averages range from 7.25% to 7.79% by sourceCalifornia
- How to dispute an error on your credit report, and what happens nextOhio
- How to dispute an error on your credit report, step by step, for free
- Average credit card rate22.38%October 2026 · WalletHub
- 30-year mortgage rate7.40%week of Oct. 15, 2026 · Freddie Mac
- New-car loan rate6.35%Q2 2026 · NerdWallet
Top stories
Debt & Collections
Fed survey: 19.6% of families fell behind on a loan payment in the year before interviews
The Federal Reserve's latest Survey of Consumer Finances found that nearly 1 in 5 families had fallen behind on a loan payment, according to a report on the results.
Loans & MortgagesOhio
Ohio Rate Watch: new card offers average 23.96%, up from 23.82%, LendingTree says
Card rates edged up in October, new-car loans stretched to a record share of 84-month-plus terms in Q3, and we found no named personal loan average this week. Here is what the figures say for Ohio borrowers.
Rules & RightsOhio
Ohio bill would shorten debt lawsuit deadline to 4 years; it hasn't become law
No new Ohio debt-collection law changes your rights this week, but a pending bill, a September law and a court ruling are worth knowing. Free steps are below.
Tools & Apps
TransUnion launches Transaction Matching to link card purchases to customer profiles
The new merchant tool ties purchases across cards and wallets to one profile. The excerpts we reviewed don't describe it as a credit report or score product.
Scams & ID TheftCalifornia
California's $6 million 23andMe settlement: what it covers and what customers can do
Attorney General Rob Bonta announced the deal over the 2023 breach on Monday. It is pending court approval, and customers keep the right to ask the company to delete their data.
Raise Your Score
Myth or fact: Checking your own credit score does not hurt it, credit bureaus and CFPB say
Checking your own score or report won't lower it, according to Equifax, Experian, the CFPB and a Business Wire release on FICO Scores.
Loans & Mortgages
30-year mortgage rate holds at 7.40%, Freddie Mac says
Freddie Mac's weekly survey shows the 30-year fixed rate flat at 7.40% and the 15-year slightly lower. Our sources had no named card, auto or personal loan averages this week.
Scams & ID TheftCalifornia
California Scam Watch: fake debt collectors and fake state-agency documents
California regulators have flagged impostor debt collectors and a forged document that misuses state agency names. Here is what the notices say and what you can do.
Credit Repair
How to dispute a credit report error, step by step, per the CFPB and FTC
Federal consumer agencies say to review your reports, find the mistakes, and dispute with each credit bureau that shows them.
Scams & ID TheftCalifornia
California AG Bonta urges Californians to never use crypto ATMs
The attorney general warned about crypto scams and said to be wary of any transaction that requires cryptocurrency, and to report it if you've been scammed.
How to check a data breach settlement claim before you share personal details
Fake settlement sites copy real ones. Here is how to confirm a claim site is official, using checks the FTC and settlement sources describe…
Rules & Rights
More in Rules & RightsRegulation B final rule takes effect July 21; CFPB flags more rulemaking
A final rule changing how Regulation B treats disparate impact and discouragement is effective July 21, 2026, and the CFPB's agenda points…
Scams & ID Theft
More in Scams & ID TheftOhio AG flags employer-impersonation, crypto ATM and home-repair scams
Ohio's attorney general's office has issued warnings about fake employers, crypto ATM fraud and contractors who take deposits. Here is what…
Bonta warns Californians: never use a crypto ATM, and watch for demands to pay in crypto
California's attorney general says crypto ATMs are a common tool in scams. Here is how the scams work, the warning signs he cited and what…