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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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1st Quarter Results (Egg PLC) (LSE via Yahoo! UK & Ireland Finance)
Egg PLC 27 April 2005 PART 1 Under Embargo until 07.00h, 27th April 2005 Egg plc Q1 2005 Financial Results and New Business Figures "Operating profit was £10 million for the core UK business on the new IFRS basis of reporting, which is consistent with the plans we outlined in our preliminary results announcement. The overall Group profit was £5 million in the quarter. "Egg's UK credit card

Bell Canada Enterprises Reports First Quarter Results (PR Newswire via Yahoo! Finance)
For the first quarter of 2005, BCE Inc. reported revenues of $4.9 billion, up 4.8% and EBITDA of $1.9 billion, up 5.1% when compared to the same period last year. Operating income increased by 5.4% year over year to reach $1.1 billion.

Coleman Cable, Inc. - 2004 Earnings Release (PR Newswire via Yahoo! Finance)
Coleman Cable, Inc. is releasing its financial results for the quarter and year ended December 31, 2004. Coleman Cable will also be hosting a conference call for the holders of Coleman Cable, Inc. 9 7/8% Senior Notes due 2012 on Friday, April 22, 2005 to review these results.