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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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5/6/05 Credit Card Minimum Payments to Double (KCBD-TV)
If you haven't already cut up your credit cards, this may drive you to: Crystal Gomoke with Consumer Credit Counseling Service says, "The Office of the Comptroller of the Currency has asked credit card companies to increase the minimum monthly payment they are requiring consumers to pay from 2% of the balance each month to 4% of the balance."
www.delawareonline.com ¦ The News Journal ¦ With debt climbing, young adults find it hard to save (Delaware Online)
At 24, Jeffrey Berman is in better financial shape than many of his peers. He has no student loans, thanks to his parents, and about $1,200 in credit card debt, which he plans to pay off with his income tax refund.
Sunday, May 08, 2005 (Daily Breeze)
Increasingly, because of a job loss, divorce, high student loan debt, credit card debt or just life, adults are returning home for financial and/or psychological refuge.
College student spends too much (Detroit News)
Q. I'm a student in college who would like to STOP spending money. However, with all these fashion magazines and the pressure to always look good, I find myself constantly spending. I don't know why, but I end up looking at clothes to buy. I've tried over and over again to correct this, but I always end up at square one. My spending habits have even affected my surrounding relationships
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