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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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Bruce K. Lee To Lead Fifth Third Bancorp Commercial Banking Division; Robert W. LaClair Named President, Fifth Third (PR Newswire via Yahoo! Finance)
Fifth Third Bancorp announced today that Bruce K. Lee, President & CEO, Fifth Third Bank has been named to lead Fifth Third Bancorp's Commercial Banking Division.
Fifth Third Bancorp Selects TSYS for Credit Processing (Business Wire via Yahoo! Finance)
Fifth Third Bancorp, one of the largest and most respected bank-holding companies in the country, has chosen TSYS to process its Visa and MasterCard consumer-credit portfolio. TSYS has processed the Fifth Third commercial-card portfolio since 1996.
Peoples Bancorp Inc. Reports First Quarter Results of Operations (PR Newswire via Yahoo! Finance)
Peoples Bancorp Inc. announced today first quarter of 2005 net income of $5,058,000, or $0.48 per diluted share, compared to $5,366,000, or $0.50 per diluted share, earned a year ago.
Fifth Third Bancorp Reports First Quarter 2005 Results (PR Newswire via Yahoo! Finance)
Fifth Third Bancorp's 2005 first quarter earnings per diluted share were $.72 compared to $.75 per diluted share for the same period in 2004.
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