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How To Dispute Errors On Your Credit Report

dispute errors

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 […]

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How To Understand Your Credit Report

credit report

There are three major credit reporting agencies that issue consumer credit reports and these are Equifax, Experian, and TransUnion. Each agency works independently and does its own credit monitoring so the report you get from Experian may be a little different from the report you get from Equifax or TransUnion. To ensure accurate reporting, it […]

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Tips in Finding the Right Credit Repair Service

credit repair

Thousands of consumers seek credit repair help each year and many credit counseling agencies and organizations offer help across the United States. But not all of them offer genuine help. In this article, let’s discuss facts about repairing credit and how to find the right credit counseling service. Can You Legally Repair Credit? If you […]

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Bankruptcy: What to expect?

file for bankruptcy

The exact details on bankruptcy proceedings may vary from one State to another. For those who intend to file for bankruptcy, they should be aware of the bankruptcy laws amended in  October 17,2005 which no longer allowed you to file for bankruptcy on your own.  It laid out a series of procedures you must go […]

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File Segregation – A bad idea

file segregation

File Segregation Is Fraud This old trick seems to be gaining popularity again. File segregation is the practice of creating a new credit file using a fake, stolen or some other form of tax identification number instead of your own social security number. Many people feel this is the only way they can enjoy good […]

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Credit Repair Companies…Are they for real???

credit repair companies

Thinking of hiring a credit repair company? Well the answer is yes…and no. Companies that claim they will erase all your past credit mistakes are generally not being 100% honest. You can’t erase your past, you can just make better choices in the future. All a credit repair company can do for you is dispute […]

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Getting Your Finances under Control with Debt Consolidation

When experiencing cash crisis and bad debt, anyone can feel confused and helpless. Some people can make decisions in a hurry in the hope to solve their problems right away. For instance, many consumers think that filing for bankruptcy is a quick and easy solution to extreme debt problem. But the truth is, seeking bankruptcy […]

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Avoiding Home Foreclosure through Debt Consolidation

Can you really stop the process of foreclosure? The truth is, it would be a lot more difficult to stop foreclosure once your bank or lending company has already filed to start the process. Once you’re sent the Notice of Default, you’ll be racing against time to save your property. In this article, let’s talk […]

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