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Repair Your Credit The RIGHT WAY! |
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Building Better Credit And Credit Repair
Newspapers, radio, TV and the Internet are filled with advertisements that offer—for a fee—to erase accurate negative information in your credit file. The scam artists who run these ads can't deliver. Only time, a deliberate effort, and a plan to repay your bills will improve your credit record. This publication is designed to help you understand and legally improve your credit report through the right way to credit repair. This publication has five sections:
Consumer Reporting Agencies
If you've ever applied for a credit card, a personal loan, or insurance, there's a file about you. This file contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.
Companies that gather and sell this information are called Consumer Reporting Agencies (CRAs). The most common type of CRA is the credit bureau. The information CRAs sell about you to creditors, employers, insurers, and other businesses is called a consumer report.
he Fair Credit Reporting Act (FCRA)
The FCRA is designed to promote accuracy and ensure the privacy of information used in consumer reports. Recent amendments to the Act expand your rights and place additional requirements on CRAs. Businesses that supply information about you to CRAs and those that use consumer reports also have new responsibilities under the law.
Here are some questions consumers commonly ask about consumer reports and CRAs—and the answers.
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Don't steal laptops from Berkeley professors. Ever. (Engadget)
This is the academia remix of Judge Dredd. Berkeley genetics professor Jasper Rine had his laptop nicked by a student, presumably after an exam paper to enable cheating. In the lecture following, Rine calls out the thief in front of the class and unveils some details about all the nasty government and industry heavies he works for when not playing the role of mild-mannered biology professor — and
Public safety log - 4/20/05 (phillyburbs.com)
James Smith, 39, Grove Ave. , 3:30 p.m. , Fri, simple assault on Grove Ave. , warrant issued for arrest. Bridgett McGinn, 29, Oriole Dr., 7:10 p.m. , Sat, simple assault on Oriole Dr. , warrant issued for arrest.
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