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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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The Globe and Mail: The lion in the North (The Globe and Mail)
It has been 65 years since Winston Spencer Churchill became the saviour of Great Britain, 60 years since he became the victor of the Second World War, 40 years since he became, on his death, the titan of the 20th century, a title duly conferred three and a half decades later.
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 (Body Shop Intnl. PLC) (LSE via Yahoo! UK & Ireland Finance)
Body Shop International PLC 28 April 2005 THE BODY SHOP INTERNATIONAL PLC Preliminary Results for the 52 weeks to 26 February 2005 • Earnings per share up 22% • Improved sales trends and increased profit achieved in all four regions • Strong operating cash inflow • Major investment programme in stores with global roll-out of new brand imagery and store design • Continuing strong
Updates, advisories and surprises (Investors.com)
Dominion Homes quarterly profit, revenue falls (7:27 PM ET) SAN FRANCISCO (MarketWatch) -- Dominion Homes Inc.(DHOM)said Wednesday evening that its first-quarter earnings fell to $642,000, or 8 cents a share, from $5.1 million, or 62 cents a share, a year ago.
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