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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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Virgin Mobile UK wants to give you a reason to stick around (Engadget)
You know how it always feels like the wireless carriers are more interested in signing up new subscribers than doing right by the subscribers they have now? Yeah, well Virgin Mobile UK has decided that instead of essentially punishing their best customers for staying loyal to them while theyā€™re doling out fat subsidies to new customers, theyā€™re going to start offering a new contract service where

Pinching your pennies (St. Petersburg Times)
Whether you live on a fixed income or simply enjoy the thrill of the hunt for savings, many resources can help make the most of your money. MaryLou Gustin does not believe in paying full price ... for anything ... ever. The 72-year-old South Pasadena resident has always been this way, she said.

Whether you re cruising or just goin fishing, the Coast Guard wants you shipshape (Green Bay Press-Gazette)
Accessible life jackets for everyone. Flares that aren t expired. Having a throwable flotation device on board. Chief Boatswain Mate Chris Wissen doesn t play the role of enforcer for his own personal benefit.

'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.

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