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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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Post Properties Announces First Quarter 2005 Earnings (PR Newswire via Yahoo! Finance)
Post Properties, Inc. announced today net income available to common shareholders of $2.8 million for the first quarter of 2005, compared to a net loss attributable to common shareholders of $0.9 million for the first quarter of 2004.

Falcons player must adjust game plan for wife's illness (Daily Sentinel)
ATLANTA — At his wedding, Atlanta Falcons player Eric Beverly figured the "sickness and health" vow would most likely apply to him and his football injuries. His bride, Danielle, promised to "always be his cheerleader," a crucial role for spouses of pro athletes.

Laguna Seca: SunTrust Racing preview (Motorsport.com)
Laguna Seca, California (April 28, 2005) --The No. 10 SunTrust Pontiac Riley Mk.XI is sporting a new SunTrust logo and paint livery this weekend for the U.S. Sports Car Invitational at Mazda Raceway Laguna Seca. Fans around the world have become familiar with the former black-and-yellow SunTrust race car, as it has graced Victory Lane ten times in 15 Grand American Rolex Sports Car Series races,

Death of a Salesman (Baltimore City Paper)
Julius Adelman Waited Years For His Customers to Pay Off Their Refrigerators, Dish Sets, and Linens. His Son Steve Waited Much Longer For His Father s Alleged Killers to Face Justice.