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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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Vital Signs for the Week of May 9 (BusinessWeek)
On tap: April retail sales and import prices, March foreign trade numbers, the preliminary look at May consumer sentiment, and more

Mattress Picks You Can Sleep With (BusinessWeek)
Does a $10,000 product give you better slumber than one a third its price? Here are some tips for making picks that rest well with you

Apartment Investment and Management Company Announces First Quarter 2005 Results (PR Newswire via Yahoo! Finance)
Apartment Investment and Management Company announced first quarter 2005 results including:

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.

 

 

 

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