Protecting Your Credit Against Fraud & ID Theft

Anyone who has heard of identity theft and fraud should definitely be concerned about protecting his own identity. Today, when you suspect a fraud or ID theft, one can place his credit report on fraud alert to warn all future creditors from approving new accounts in your name. However, a fraud alert is easy to […]

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How To Write A Credit Dispute Letter that Works

Under the Fair Credit Reporting Act, consumers have the right to dispute the 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.

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How Credit Repair Helps You

Do you have bad credit? If so, then it’s about time to do something about it. You’ll be glad to know that there are positive steps you can do to get yourself out of bad credit. Consider these practical credit repair suggestions.

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What the FTC Says About Disputing Credit Report Errors

The Fair Credit Reporting Act (FCRA) clearly states that consumers have the right to protect themselves against unfair credit reporting by creditors and credit reporting agencies. For this reason, you must regularly check your personal credit report scoreto make sure that it contains accurate information.

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Tips and Techniques on How to Write Credit Repair Letters

When it comes to issues that involve your personal credit, consumers have the right to dispute errors as stated in the Fair Credit Reporting Act (FCRA). Disputes are usually done by sending credit repair letters. On this post, let us take a look at the different types of credit-related dispute letters that you can send, depending on the situation.

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Why Do People File for Bankruptcy?

With our present economy experiencing a slump, people from all walks of life are affected. It does not matter whether you have been a long-time employee for a solid company or a business owner, the fact is that no one is exempted from financial crisis and the consequences it brings.

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How to Benefit From the New Credit Card Law

When the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009 was passed into a law, many consumers are hopeful that the changes will protect them from unreasonable terms and conditions imposed by credit card companies.

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Credit Freeze- Complex But Effective?

Credit freeze is different from placing your credit report on fraud alert because a freeze completely blocks out all inquiries, even from the owner of the credit file. The process of placing your credit file on “freeze” is also more complex because it cannot be done over the telephone.

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