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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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Building a North American Community: Report of the Independent Task Force on the Future of North America (Foreign Relations)
New York, N.Y. ANTHONY DEPALMA: [in progress] because we are determined and will guarantee you that we will be done by 2:00, so that you can get back. My name is Anthony DePalma. I'm a correspondent and reporter for the New York Times . Welcome to this session this afternoon.

Wal-Mart's banking on an idea (Tallahassee Democrat)
When Sonya Sullivan heard about a new bank branch inside Wal-Mart, it sounded like a good idea to her. She opened a checking account Tuesday and plans to research other accounts.

Michigan smokes out cigarette tax dodgers (Detroit News)
Thousands of Michigan smokers are getting burned by their attempts to avoid the state's $2-a-pack cigarette tax by ordering online.

Search Foreclosed Real Estate (Philipsburg Mail)
Let REALTORSĀ® in your neighborhood compete for your business. Use Homegain's free service to compare local REALTORSĀ® by commission, experience and more. Get the facts before you choose.

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