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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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New Search (BusinessWeek)
The billboards are hard to miss. Bombay has been plastered with nearly 1,300 in-your-face ads featuring all manner of ordinary citizens -- young, old, hip, conservative -- speaking out on everything from global politics to local corruption to sex. "George Bush should go back to school," says one.
Police drop charges against women who flashed breasts at Prince Charles North County Times - North San Diego and (North County Times)
WELLINGTON, New Zealand -- Charges were dropped Tuesday against two women who staged a bare-breasted protest in front of Prince Charles during his visit to New Zealand in March.
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.
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
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