If you have less than perfect credit, you are probably attracted to the many commercials on TV which promise credit repair and debt consolidation. While there are many things companies can do to help you fix your credit, there are a number of things you can do yourself to get
There are three major consumer reporting agencies (CRAs), or credit bureaus, that mortgage companies use to assess a buyer’s credit rating: Experian, Equifax, and Trans Union. Credit scores typically range from 300 to 850. For home loan purposes, a score of 650 or higher indicates a good credit history and
Under the Fair Credit Reporting Act (FCRA), both the consumer reporting company and the information provider (the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under
You may have seen the ads telling you where you can get copies of your consumer credit reports for free. Read the fine print, and you will see that there is some sort of catch with these ads that will ultimately cost you money. You dont need to pay for
Credit Cards For Anybody? Credit Cards are widespread all over the US as well as worldwide and are accepted Internationally as a very convenient mean of payment either in person at stores, via the phone and the Internet or on signed forms via the fax. Does anybody can obtain this
There are a number of laws on the books to protect people who have bad credit ratings. These laws are important, and you should know about them in order to protect yourself from unfair practices performed by collection agencies. The federal Fair Credit Reporting Act (FCRA) was enacted to protect
Ways To Resolve A Credit Report Dispute Under the Fair Credit Reporting Act, the reporting company and the information provider are responsible for correcting any credit report disputes. However, they must first be made aware that you have credit report disputes. A person can report and correct errors in their
