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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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Editorial : Harder tasks ahead (INQ7.net)
IN THE IMMEDIATE aftermath of the enactment of the new value-added tax law, Fitch Ratings revised its outlook on the Philippines' long-term foreign and local currency ratings from "negative" to "stable." The revision reversed a series of successive credit-rating downgrades early this year.
Philippine Shares End Up On Fitch Move, U.S. Econ Outlook (Dow Jones via Yahoo! Australia & NZ Finance)
DJ Philippine Shares End Up On Fitch Move, U.S. Econ Outlook MANILA (Dow Jones)--Philippines shares closed higher Friday, snapping a five-day losing streak after Fitch Ratings upgraded its outlook for the country's credit ratings and as growth forecasts for the U.S. economy were revised upwards. The 30-company Philippine Stock Exchange Index closed up 16.69 points, or 0.9%, at 1875.41 after
Philippine Shares Up Early On Fitch Move, US GDP Outlook (Dow Jones via Yahoo! Australia & NZ Finance)
DJ Philippine Shares Up Early On Fitch Move, US GDP Outlook MANILA (Dow Jones)--Philippine shares are higher early Friday, halting five consecutive sessions of losses, as investors return to the market following the favorable revision by Fitch on the country's credit ratings and the improved economic outlook in the U.S., traders said. At 0212 GMT, the 30-company Philippine Stock Exchange Index
Fitch Affirms Kaiser Permanente's Rating at 'A/F1' (Business Wire via Yahoo! Finance)
Fitch Ratings affirms the ratings on approximately $2.7 billion of outstanding debt issued on behalf of Kaiser Permanente. A list of outstanding debt issues are provided below. The Rating Outlook has been revised to Positive from Stable.
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