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Marcus Thorne

Writes mostly about credit reporting & consumer rights.

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Articles by Marcus Thorne

Credit Reporting & Consumer Rights
How to Read Your Credit Report for Signs of Identity Theft
A line-by-line review of your personal details, accounts, and inquiries can reveal fraud early, and a clear path exists for disputing what you find.
Marcus ThorneJul 8, 2026
Credit Reporting & Consumer Rights
Steps to Take After Finding an Account You Never Opened
A step-by-step guide to disputing fraudulent accounts, reporting identity theft, and using freezes and alerts to limit further damage.
Marcus ThorneJul 1, 2026
Credit Reporting & Consumer Rights
How a Collection Account Reaches Your Credit Report and How to Dispute It
Collectors must follow contact rules before reporting a debt. Here are the sourced steps, deadlines and phone number for checking an entry and disputing it.
Marcus ThorneJun 23, 2026
Credit Reporting & Consumer Rights
What Happens to Your Mortgage Credit Record When Servicing Moves
A servicing transfer changes who collects your payment and reports your account, but not the terms of your loan, so borrowers should verify notices, payment cutoffs, and credit files.
Marcus ThorneJun 16, 2026
Credit Reporting & Consumer Rights
What Federal Law Requires When a Credit Bureau Receives a Dispute
Under 15 U.S.C. § 1681i, credit bureaus must reinvestigate disputes free of charge, notify furnishers within five business days, and generally finish within 30 days, though the sources leave open how furnisher silence affects deletion.
Marcus ThorneJun 9, 2026

Marcus Thorne | Forward Credit