Credit Repair Secrets * Free Credit Repair * Credit Report Score * Credit Dispute Letter

If you have just been denied credit by a lender, you should immediately check your personal credit report to make sure that unauthorized charges are not the reason why your application did not get approved. Also, if you recently received a call from a lender or a credit card Issuer informing you about past due charges that you do not know about, there is a possibility that you have been a victim of Identity theft. What should you do?

In 2006, an estimated 9 million Americans have been victims of Identity Theft. Today, as more and more people use the internet for banking and shopping, consumers are strongly warned not to let their guard down against scammers and thieves. How can you protect yourself? Here are tips:

Under the Fair Credit Reporting Act, consumers have the right to negative records found in their credit reports. This can be done by sending a dispute letter to the credit bureau who issued the report. The Law requires credit reporting agencies to act upon consumer credit disputes by conducting an investigation on the issue. Here [...]

Consumers are advised to check their credit reports before submitting application to any lender. In this article, let’s discuss how you can check your credit report and what you can do about errors in your report. Checking Your Credit Score Since the Fair and Accurate Credit Transactions Act took effect, consumers are entitled to get [...]

All consumers have the right to dispute errors in his/her credit report. This right is based on the Fair Credit Reporting Act which became effective in 2003. Disputing errors protects a consumer against fraud and Identity Theft. Thus, in case there are unauthorized charges contained in the report, a consumer can alert the bureau and [...]