Credit Business

Sally Herigstad is a certified public accountant and the author of "Help! I Can't Pay My Bills: Surviving a Financial Crisis" (St. Martin's Press, 2006). She writes "To Her Credit," a weekly reader Q&A column about issues involving women, credit and debt, for CreditCards.com, and also writes regularly for MSN Money, Interest.com and Bankrate.com, and has guested on Martha Steward Radio and other programs. See her website SallyHerigstad.com for more personal finance tips and free budgeting worksheets.
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Consumers often dissatisfied, even after problems 'resolved' By Fred O. Williams

Quick, name the three big credit bureaus. Hint: two beginwith an "E," and all three have veto power over your financial decisions.
It's hard to tell the faceless companies apart -- but theway they handle consumer complaints looks very different.
According to a CreditCards.com analysis of the first year of complaints on record at theU.S. Consumer Financial Protection Bureau, there are big gaps in how the bigthree bureaus -- Equifax, Experian and TransUnion -- handle gripes.
Equifax says it resolves CFPB complaints in theconsumer's favor 62 percent of the time. That compares with a 23 percent pro-consumerrate at TransUnion and just 12 percent at Experian.


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