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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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County labor chief dies Contreras, 53, suffers apparent heart attack (L.A. Daily News)
Miguel Contreras, the Los Angeles labor chief who rose from the ranks of Cesar Chavez's farm labor movement to head one of the most powerful unions in the nation, died Friday of an apparent heart attack, officials said. He was 53.
House OKs $82 billion more for wars Wide support for bill that also includes requirements for driver's license security (San Francisco Chronicle)
Washington -- The House overwhelmingly approved the fourth big special spending bill in the last two years for the wars in Iraq and Afghanistan on Thursday, along with an added provision that will make it all but impossible for illegal immigrants to get driver's licenses from any state, including California.
House OKs $82 billion more for wars / Wide support for bill that also includes requirements for driver's license (San Francisco Chronicle)
The House overwhelmingly approved the fourth big special spending bill in the last two years for the wars in Iraq and Afghanistan on Thursday, along with an added provision that will make it all but impossible for illegal immigrants to get driver's licenses...
BUILDER Online: Home Building News, Home Plans, Home Design Ideas and Building Products for Home Builders (Builder Online)
BUILDER Online provides home builders with home building news, home plans, home design ideas, and building product information, helping them manage their home building operations efficiently and profitably.
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