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Six FCRA Violations You Might Miss On Your Credit Report

Credit reports are often enigmatic and difficult to understand. It is possible not to understand them at all or even misunderstand if you do not know how to read a credit report. Even very experienced people find it puzzling to read and comprehend a credi... Read >

The Fair Credit Billing Act is a Boon to Consumers

Credit Card companies are pests to our economy that eat our lives without our knowledge. Credit card companies are money players that twist the laws per their requirement. The Fair Credit Billing Act of 1974 came as a jolt to credit card companies. This A... Read >

Attorneys can help you fight debt harassment

Debt collectors often resort to unlawful practices while attempting to collect on a debt. In the first place, the debt may not be yours at all. Hence you need to establish the genuineness of the debt and ask the debt collectors to verify the debt by sendi... Read >

Bad Credit Repair

Hounding bill collectors added to your unsound financial condition can create havoc in your life. This could lead the strongest of persons to have nightmares. The Good News - you do have rights that protect you from this horrific scenario. Let us go throu... Read >

Contact attorneys if you smell foul in your credit report

Repairing a credit report with bad credit history is one of the most time consuming and intricate works, if you have to do. A credit report needs repair if any of the three credit reporting agencies (CRAs) – Equifax, Experion or Trasunion - make a mistake... Read >

Credit Freeze laws to check frauds

There are more than eight million new victims of identity theft each year in the U.S. Many of these victims find that crooks have used stolen personal information like Social Security numbers to open new accounts in their victim’s name. A security freeze ... Read >

Execrcising your credit rights

A credit score is a numerical expression based on a statistical analysis of a person's credit files, to represent the creditworthiness of that person. A credit score is primarily based on credit report information, typically sourced from credit bureaus. ... Read >

Establishing Credit History

In American society credit history is of extreme importance. Your credit history is linked to your social security number. Your credit history is a condensed data sheet of your loans, your repayment, whether you pay on time etc. To get a loan you must... Read >

How long do items stay on a credit report

You have a credit report if you have a credit card or if you have taken a loan. This credit report contains information about you, your identity, your official and home address, and other relevant information like your bill paying habits, and your credit ... Read >

More people prefer debits cards more now than before

There is an increasing trend in the number of consumers saying no to credit cards. In a country where an average citizen has five credit cards, this certainly is a new way to step into financial freedom. Why are people using credit cards less? A gro... Read >

Identity Theft Help

The Fair Credit Reporting Act (FCRA) was passed by the Congress and enforced by the Fair Trade Commission (FTC) to protect consumers against inaccuracies, unfair and misleading information in the consumer reporting agencies' (Equifax, Transunion and Exper... Read >