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Tag: Credit

Your Credit and Your Rights

Your Credit and Your Rights

Sometimes, things happen that can cause credit problems: a temporary loss of income, an illness, even a computer error. Solving credit problems may take time and patience, but it doesn’t have to be an ordeal. The Federal Trade Commission (FTC) enforces the credit laws that protect your right to get,

How to avoid bad credit

How To Avoid Bad Credit

Because we live in a society that is dependent on credit, having credit that is bad can make life very difficult. Many high paying jobs won’t hire you. Lenders are unlikely to give you a mortgage. Getting an unsecured credit card will also be hard, if not impossible. It is

What Are Bad Credit Mortgages

What Are Bad Credit Mortgages

What Are Bad Credit Mortgages The primary difference between a bad credit mortgage and a normal mortgage is that a bad credit mortgage is typically given to people who have a history of bad credit. Many people end up with bad credit due to bankruptcy, not making loan payments, or

Credit Repair Organizations Act

What Is The Credit Repair Organizations Act?

By law, credit repair organizations must give you a copy of the “Consumer Credit File Rights Under State and Federal Law” before you sign a contract. They also must give you a written contract that spells out your rights and obligations. Read these documents before you sign anything. The law

What Is Credit Denial And What Can You Do About It?

What Is Credit Denial And What Can You Do About It?

What Is Credit Denial And What Can You Do About It? Written notice required You must be informed in writing why you were denied a credit card or loan. If the letter you receive doesn’t say why you were denied, it must tell you of your right to be given