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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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Mastercard launches debit-card replacement for travellers' cheques, pilots card in UK (Digital Media Europe)
Cards may be loaded with sterling, US dollars or euros – the release of currency is authorised against a balance on a dedicated account in which the cardholder has deposited money. The minimum load value is €50, £50, or US$50.
The return of ASPs (ZDNet India)
The age of application service providers and software as a service is upon us. Application service providers (ASPs) are set to make a comeback - in an avatar that is also being termed on-demand software or software-as-a-service (SaaS).
Public Storage, Inc. Reports Results for the First Quarter Ended March 31, 2005 (Business Wire via Yahoo! Finance)
Harvey Lenkin, President of Public Storage, Inc. , announced today operating results for the quarter ended March 31, 2005.
Ethink Systems Announces Secure Information Blueprint Service for Credit Card Merchants (PR Web via Yahoo! News)
(PRWEB) April 27, 2005 -- Ethink Systems announced today the availability of their Secure Information Blueprint Service (SIBS) for credit card merchants. The service enhances their current Secure Information Blueprint Service to directly address recent industry issues surrounding increased concern regarding credit card information safety.
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