Staff writer

Marlon Keene

11 articles · mostly Credit Reporting & Consumer Rights

Articles

Credit Reporting & Consumer Rights
How to Request Your Free Credit Reports Safely
A step-by-step guide to getting your annual reports from the three nationwide companies through official channels, and what to check once they arrive.
Marlon KeeneNov 2, 2026
Credit Reporting & Consumer Rights
How to Dispute an Error on Your Credit Report
A step-by-step guide to documenting the error, filing with the credit reporting company and the business that supplied the information, and tracking the investigation under federal rules.
Marlon KeeneOct 25, 2026
Credit Reporting & Consumer Rights
How a Credit Report Dispute Moves From Filing to Response
A dispute can trigger a federal review process, but it works best when you send clear details, keep proof of delivery, and check every answer against your original claim.
Marlon KeeneOct 18, 2026
Credit Reporting & Consumer Rights
What to Do After a Credit Report Dispute Is Rejected
A weak or incomplete response is not the final word, and the FCRA gives consumers several next steps depending on what went wrong.
Marlon KeeneOct 11, 2026
Credit Reporting & Consumer Rights
How to Add a Consumer Statement to a Disputed Credit Report Item
A consumer statement lets you attach a short, factual explanation to a disputed entry that remains after investigation, but it will not force a correction.
Marlon KeeneOct 4, 2026
Credit Reporting & Consumer Rights
Credit Freeze vs. Fraud Alert: What Each One Covers
A freeze blocks most prospective creditors from your credit file. Fraud alerts are a separate option, and their details are worth confirming on official pages before you choose.
Marlon KeeneSep 26, 2026
Credit Reporting & Consumer Rights
How to Freeze Your Credit at All Three Bureaus and Lift It When You Need To
A security freeze blocks new-account access to your credit file, and placing one requires contacting Equifax, Experian, and TransUnion separately.
Marlon KeeneSep 19, 2026
Credit Reporting & Consumer Rights
How Long Negative Items Stay on a U.S. Credit Report
Most late payments and collections age off after about seven years, but bankruptcies, court records, eviction cases, and medical debt follow their own timelines and rules.
Marlon KeeneSep 12, 2026
Credit Reporting & Consumer Rights
What a Credit Report Shows, and What It Leaves Out
A credit report records identity details and account history, but it is separate from a credit score and can differ between reporting companies.
Marlon KeeneSep 4, 2026
Credit Reporting & Consumer Rights
Who Can Pull Your Credit Report, and Why It Matters
Federal law limits credit report access to requesters with a permissible purpose, and your access list can help you spot inquiries that do not match your own activity.
Marlon KeeneAug 28, 2026
Credit Reporting & Consumer Rights
After a Credit Denial: How to Read the Notice and Check Your Report
A step-by-step guide to the adverse action notice, the reasons it should give, and how to request and review the credit report behind the decision.
Marlon KeeneAug 13, 2026

How to Request Your Free Credit Reports Safely

How to Dispute an Error on Your Credit Report

How a Credit Report Dispute Moves From Filing to Response

What to Do After a Credit Report Dispute Is Rejected

How to Add a Consumer Statement to a Disputed Credit Report Item

Credit Freeze vs. Fraud Alert: What Each One Covers

How to Freeze Your Credit at All Three Bureaus and Lift It When You Need To

How Long Negative Items Stay on a U.S. Credit Report

What a Credit Report Shows, and What It Leaves Out

Who Can Pull Your Credit Report, and Why It Matters

After a Credit Denial: How to Read the Notice and Check Your Report