Many people find it easy and convenient to use credit cards and ATM or debit cards. The Electronic Fund Transfer Act (EFTA) and the Fair Credit Billing Act (FCBA) offer procedures for you to use if your cards are lost or stolen.
What Is Credit Denial And What Can You Do About It?
If you apply for a credit card or a loan and the company turns you down, they must send you a written notice within 30 days.
What Is The Truth about Credit Repair?
Got bad credit? Want to get it repaired? Can you handle the truth?
What To Do About Negative Information In Your Credit Report
Do you know what the laws are regarding negative information in your credit report?
Your Credit and Your Rights
A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment.
Your Debts and Debt Collectors
You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a debt collector. A debt collector is any person, other than the creditor, who regularly collects debts owed to others, including lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors.
There Is No Quick Fix For Improving Your Credit Report
It takes time to repair you credit it can’t be done overnight.
Three Simple Ways To Use My Credit Repair Tips And Save Thousands!
Before I offer you my credit repair information though, I must tell you that not knowing your current debt situation, this solution may not work for everyone. Im not a professional credit counsellor or financial advisor, so by saying this, I wish that you take my tips as a stepping stone…
Undertaking Credit Repair On Your Own (What To Do And What Not To Do)
If you have recently been turned down for a loan, or for a new credit card, you may be in need of credit repair. Being denied credit is often the result of a bad credit report, which can happen in two circumstances. You have either managed your credit poorly, which has reflected in your credit report; or your credit file has some erroneous items, thus negatively impacting your report. In either situation, it is vital that you undertake credit repair as soon as possible.
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Self Help May Be Best When It Comes To Credit Repair
Should you seek assistance from a credit card repair company or attempt to fix your credit yourself?
Some Credit Information You May Not Know
Here is some credit information that you may not have heard of before.
Need Credit or Insurance? Your Credit Score Helps Determine What Youll Pay
How important is your credit score? It can determine your credit card interest rate, insurance costs, and even your mortgage loan rate.