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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 offerfor a feeto 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 CRAsand the answers.
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Wall Street News Alert: Stocks on the Move, May 6, 2005 (pzone via Yahoo! Australia & NZ Finance)
WESTON, Fla., May 6, 2005 (PRIMEZONE) -- Wall Street News Alert's "stocks to watch" this morning are: Caliber Energy, Inc. (OTCBB:CALB), Lucent Technologies (NYSE:LU), Ford Motor Credit Co. (NYSE:F) and Sun Microsystems, Inc. (Nasdaq:SUNW). Aggressive investors and traders may be looking at Caliber Energy, Inc. (OTCBB:CALB) once again this morning. Yesterday after the markets closed, the company
ÂŁ80m monthly bill marks end for credit card ârate tartsâ (Sunday Herald)
Credit cardholders who save money by switching from one 0% APR promotional deal to another were dealt a fresh blow last week as Egg, one of the UKâs largest issuers, became the latest to impose a penalty on so-called ârate tartsâ.
People in business (Tennessean)
The Jones Co. in Franklin ranked among the 400 largest builders in the country in the GIANT 400 list of Professional Builder , a 68-year-old monthly business magazine that provides content for active builders and their architects and designers.
Credit Suisse pension business down amid 3% growth (Investment & Pensions Europe)
SWITZERLAND â Credit Suisse Groupâs pension-related business including asset management and insurance, has recorded a down-trend in the first quarter of 2005 in spite of the group recording a 3% net income growth.
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