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How New Changes by Credit-Reporting Firms May Affect You

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In this March 5, 2012, file photo, consumer credit cards are posed in North Andover, Mass. The three largest credit reporting agencies will change the way they handle records in a major revamp long sought by consumer advocates. The changes were announced Monday, March 9, 2015, after talks between Equifax, Experian, TransUnion and New York Attorney General Eric Schneiderman. (AP Photo/Elise Amendola, File)

In this March 5, 2012, file photo, consumer credit cards are posed in North Andover, Mass. The three largest credit reporting agencies will change the way they handle records in a major revamp long sought by consumer advocates. The changes were announced Monday, March 9, 2015, after talks between Equifax, Experian, TransUnion and New York Attorney General Eric Schneiderman. (AP Photo/Elise Amendola, File)

MICHELLE CHAPMAN, AP Business Writers
ALEX VEIGA, AP Business Writers

The three big credit reporting agencies are making changes that could help steer some consumers clear of the credit dog house.

Data collected by the agencies Equifax, Experian and TransUnion on hundreds of millions of people are used to create credit scores. Those scores can determine who gets a loan and how much interest is paid on it.

The move stems from months of negotiations between the companies and New York Attorney General Eric Schneiderman, one of several state attorneys general who have placed the credit reporting industry under increased scrutiny.

Mississippi Attorney General Jim Hood sued Experian last June, claiming the firm has knowingly included error-riddled data in consumer credit files. In Ohio, Attorney General Mike DeWine is leading more than 30 states in an investigation into the credit firms. That suggests more changes by the industry could be coming.

So how will these latest changes affect you?

Q: WHAT’S CHANGING HERE?

A: The credit bureaus have agreed to make several changes. Two of them have the potential to affect consumers the most: changes to how people go about disputing errors in their credit files and in the type of credit data that will appear in their files.

Q: WILL IT BE EASIER TO DISPUTE ERRORS IN MY CREDIT REPORT?

A: In theory. Let’s say you’ve made a timely payment on your credit card but it mistakenly shows up in your credit file as a late payment, potentially weighing down your credit score. Right now, consumers who want to fix that error can file a dispute with the credit reporting agencies, but it falls on the consumer to get the mistake fixed with their credit card company. In addition, the credit agencies basically defer to the creditor.

To address this, the firms have agreed to hire employees tasked with reviewing consumer credit disputes independently and not merely rubber-stamping what credit card issuers and lenders say.

Q: WHAT ARE THE CHANGES TO MEDICAL DEBT?

A: In a bid to increase accuracy, medical debts won’t be reported until after a 180-day waiting period to allow time for insurance payments to be applied. The agencies agreed to remove from credit reports previously reported medical collections that have been or are being paid by insurance companies.

Medical debts often arise from insurance coverage delays or disputes. Over half of all collection items on credit reports are medical debts and those debts may not accurately reflect consumers’ creditworthiness, according to a statement from Schneiderman.

Q: WHAT ABOUT PARKING TICKETS?

A: The credit agencies have agreed that parking tickets, library late fees and similar fines won’t appear on consumers’ credit reports, sort of. The idea is to exclude debts that don’t arise from an agreement by the consumer to pay back money, as in a loan or credit card. Still, if any of those debts gets sold to a collection agency, it’s possible the unpaid debt record could end up on your credit report anyway.

Q: WHO WILL MONITOR THE CHANGES?

A: A working group will be formed under the agreement to regularly review consistency and to ensure that collected data is applied to consumers uniformly.

Q: WHEN WILL THE CHANGES TAKE PLACE?

A: The changes will start to be implemented over the next several months. Discussions with other attorneys general are ongoing and there remains the possibility for more agreements ahead.

Q: AM I ELIGIBLE FOR MORE THAN ONE FREE CREDIT REPORT A YEAR?

A: Yes. Right now, consumers are entitled to get one free credit report a year from each credit reporting agency. The Attorney General’s agreement requires that the firms provide a second free report to consumers who experience a change in their report after they dispute something in their file. This will let consumers verify that the credit agencies corrected the error. To get a free report, visit AnnualCreditReport.com.

____

Chapman reported from New York. Veiga reported from Los Angeles.

Copyright 2015 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Activism

OP-ED: AB 1349 Puts Corporate Power Over Community

Since Ticketmaster and Live Nation merged in 2010, ticket prices have jumped more than 150 percent. Activities that once fit a family’s budget now take significant disposable income that most working families simply don’t have. The problem is compounded by a system that has tilted access toward the wealthy and white-collar workers. If you have a fancy credit card, you get “presale access,” and if you work in an office instead of a warehouse, you might be able to wait in an online queue to buy a ticket. Access now means privilege.

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Bishop Joseph Simmons, Senior Pastor, Greater St. Paul Baptist Church, Oakland
Bishop Joseph Simmons, Senior Pastor, Greater St. Paul Baptist Church, Oakland

By Bishop Joseph Simmons, Senior Pastor, Greater St. Paul Baptist Church, Oakland

As a pastor, I believe in the power that a sense of community can have on improving people’s lives. Live events are one of the few places where people from different backgrounds and ages can share the same space and experience – where construction workers sit next to lawyers at a concert, and teenagers enjoy a basketball game with their grandparents. Yet, over the past decade, I’ve witnessed these experiences – the concerts, games, and cultural events where we gather – become increasingly unaffordable, and it is a shame.

These moments of connection matter as they form part of the fabric that holds communities together. But that fabric is fraying because of Ticketmaster/Live Nation’s unchecked control over access to live events. Unfortunately, AB 1349 would only further entrench their corporate power over our spaces.

Since Ticketmaster and Live Nation merged in 2010, ticket prices have jumped more than 150 percent. Activities that once fit a family’s budget now take significant disposable income that most working families simply don’t have. The problem is compounded by a system that has tilted access toward the wealthy and white-collar workers. If you have a fancy credit card, you get “presale access,” and if you work in an office instead of a warehouse, you might be able to wait in an online queue to buy a ticket. Access now means privilege.

Power over live events is concentrated in a single corporate entity, and this regime operates without transparency or accountability – much like a dictator. Ticketmaster controls 80 percent of first-sale tickets and nearly a third of resale tickets, but they still want more. More power, more control for Ticketmaster means higher prices and less access for consumers. It’s the agenda they are pushing nationally, with the help of former Trump political operatives, who are quietly trying to undo the antitrust lawsuit launched against Ticketmaster/Live Nation under President Biden’s DOJ.

That’s why I’m deeply concerned about AB 1349 in its current form. Rather than reining in Ticketmaster’s power, the bill risks strengthening it, aligning with Trump. AB 1349 gives Ticketmaster the ability to control a consumer’s ticket forever by granting Ticketmaster’s regime new powers in state law to prevent consumers from reselling or giving away their tickets. It also creates new pathways for Ticketmaster to discriminate and retaliate against consumers who choose to shop around for the best service and fees on resale platforms that aren’t yet controlled by Ticketmaster. These provisions are anti-consumer and anti-democratic.

California has an opportunity to stand with consumers, to demand transparency, and to restore genuine competition in this industry. But that requires legislation developed with input from the community and faith leaders, not proposals backed by the very company causing the harm.

Will our laws reflect fairness, inclusion, and accountability? Or will we let corporate interests tighten their grip on spaces that should belong to everyone? I, for one, support the former and encourage the California Legislature to reject AB 1349 outright or amend it to remove any provisions that expand Ticketmaster’s control. I also urge community members to contact their representatives and advocate for accessible, inclusive live events for all Californians. Let’s work together to ensure these gathering spaces remain open and welcoming to everyone, regardless of income or background.

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Activism

Oakland Post: Week of December 31, 2025 – January 6, 2026

The printed Weekly Edition of the Oakland Post: Week of – December 31, 2025 – January 6, 2026

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To enlarge your view of this issue, use the slider, magnifying glass icon or full page icon in the lower right corner of the browser window.

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Activism

Big God Ministry Gives Away Toys in Marin City

Pastor Hall also gave a message of encouragement to the crowd, thanking Jesus for the “best year of their lives.” He asked each of the children what they wanted to be when they grow up.

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From top left: Pastor David Hall asking the children what they want to be when they grow up. Worship team Jake Monaghan, Ruby Friedman, and Keri Carpenter. Children lining up to receive their presents. Photos by Godfrey Lee.
From top left: Pastor David Hall asking the children what they want to be when they grow up. Worship team Jake Monaghan, Ruby Friedman, and Keri Carpenter. Children lining up to receive their presents. Photos by Godfrey Lee.

By Godfrey Lee

Big God Ministries, pastored by David Hall, gave toys to the children in Marin City on Monday, Dec. 15, on the lawn near the corner of Drake Avenue and Donahue Street.

Pastor Hall also gave a message of encouragement to the crowd, thanking Jesus for the “best year of their lives.” He asked each of the children what they wanted to be when they grew up.

Around 75 parents and children were there to receive the presents, which consisted mainly of Gideon Bibles, Cat in the Hat pillows, Barbie dolls, Tonka trucks, and Lego building sets.

A half dozen volunteers from the Big God Ministry, including Donnie Roary, helped to set up the tables for the toy giveaway. The worship music was sung by Ruby Friedman, Keri Carpenter, and Jake Monaghan, who also played the accordion.

Big God Ministries meets on Sundays at 10 a.m. at the Mill Valley Community Center, 180 Camino Alto, Mill Valley, CA Their phone number is (415) 797-2567.

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