What Does Bad Credit Really Reveal? Reporting Errors and Medical Debt

credit bureau industry like to say that credit checks something about the character of an individual or the ability to act responsibly visible. But two recent newspaper reports to underline how dubious a proposition is: this weekend, the New York Times the devastating toll out-of-control medical bills can take credit examined, while the Columbus Dispatch trained his sights on the frequency of the credit reporting errors.
The Columbus Dispatch has launched a four-part study exploring the prevalence of errors in credit reports and the devilish difficulty of getting them corrected. In fact, the Dispatch is, "Americans are virtually powerless to erase the mistakes."

    During years of investigation, the Dispatch collected and analyzed nearly 30,000 consumer complaints filed with the Federal Trade Commission and attorneys general in 24 states that alleged violations of the Fair Credit Reporting Act of the three largest credit reporting agencies in the United States - Equifax, Experian and TransUnion.

    Industry observers say that it belongs to the most comprehensive review ever conducted of the complaints against the credit-reporting agencies.

    The complaints document the inability of consumers to correct errors that range from mild to devastating financially. Consumers said that the agencies can not even the most obvious error correction: That's not my birthday. That's not my name. I'm not dead.

    Nearly a quarter of the complaints to the FTC and more than half of the complaints with the attorneys general involved errors in the consumer financial accounts for credit cards, mortgages or car loans. Homes sold in the bank-approved "short sales", less than the value of the mortgage, were listed as foreclosures. Auto loans were paid off were reported as seizures. Credit cards were paid off and closed years earlier was seen as a delinquent.
Demos As demonstrated in our report, "discredit America," credit reporting errors can have a devastating impact. The Columbus Dispatch found something similar, powerful document of "the fate of the thousands who, through no fault of their own, have no chance of a home or buying a car, a loan for college, the owner of a apartment, a job to land in the military, medical care or even opening a bank account. "
Even if no error occurred, bad credit may have more to do with unavoidable medical expenses than any underlying character flaw, the New York Times report. Because a growing proportion of medical care revenue comes directly from patients, the Times will be doctors and hospitals to run on more debt to collection agencies, and run faster.


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