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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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This Mother's Day, Don't Say 'No' to Mom; Instead, Get up and go to Mom With American's Mother's Day Fares (PR Newswire via Yahoo! Finance)
At American Airlines, we know how special Mom is, and how special she makes you feel whenever you see her.
Oakland Briefs (Detroit News)
The West Bloomfield Clergy Association and Community Forum will sponsor a multifaith prayer event in honor of the National Day of Prayer on Thursday. It will be at 12:15 p.m. at Prince of Peace Catholic Church, 5400 Walnut Lake Road, West Bloomfield.
'Praying for justice' (Peoria Journal Star)
SPRING BAY - Every morning Eula Harrell wakes up, she relives the day she learned her son was killed. After nearly five years, she still finds no comfort. Each day is painfully the same, she says, passed only with prayers that justice will come to her son's killers.
Oakland Briefs (Detroit News)
The West Bloomfield Clergy Association and Community Forum will sponsor a multifaith prayer event in honor of the National Day of Prayer on Thursday. It will be at 12:15 p.m. at Prince of Peace Catholic Church, 5400 Walnut Lake Road, West Bloomfield.
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