Articles by Jessica Sain-Baird
Fair Debt Collection Practices Act: 5 Protections To Know
January 27, 2023
The Fair Debt Collection Practices Act (FDCPA) is federal law that protects the rights of consumers when third-party debt collection agencies come calling. FDCPA violations... read more
What Is My VantageScore?
December 30, 2022
You’ve probably heard of the FICO credit-scoring model. It’s the veteran in the world of credit, with lenders first using FICO Scores in 1989. But... read more
Who Can Request to See Your Credit Report?
December 29, 2022
Your credit report contains your credit history — your loans and credit cards, how much you’ve borrowed and whether you’ve made payments on time. Lenders... read more
What Is a Credit Privacy Number?
December 29, 2022
A credit privacy number (CPN) is a fraudulent alternative to a Social Security number (SSN). Sometimes people use them to hide their credit history, but... read more
How Debt Settlement Affects Your Credit
December 29, 2022
Before committing to debt settlement, you may be wondering: “How much does debt settlement affect your credit score?” Debt settlement is a process offered by... read more