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Repair Your Credit The RIGHT WAY! |
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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Customer finds employee's finger in frozen custard North County Times - North San Diego and Southwest Riverside County (North County Times)
WILMINGTON, N.C. (AP) -- A man who ordered a pint of frozen chocolate custard in a dessert shop got a nasty surprise inside -- a piece of severed finger lost by an employee in an accident.
Final Results (Sony Corp.) (LSE via Yahoo! UK & Ireland Finance)
Sony Corp 27 April 2005 No: 05-025E 3:30 P.M. JST, April 27, 2005 Consolidated Financial Results for the Fiscal Year Ended March 31, 2005 Tokyo, April 27, 2005 -- Sony Corporation today announced its consolidated results for the fiscal year ended March 31, 2005 (April 1, 2004 to March 31, 2005). (Billions of yen, millions of U.S. dollars, except per share amounts) Year ended March 31 2004 2005
Inspiring academician (News Today)
There is a strong public opinion these days about third grade colleges, fourth grade principals and fifth grade vice-chancellors. We have Search Committees for policing the selection and appointment of undesirable persons for the posts of vice-chancellors.
Hooked On Phishing (Forbes)
With only 5% of cases leading to arrest, online identity theft is almost the perfect crime.
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