This self-help credit improvement site offers a wealth of information to help you correct or remove inaccurate information from your personal credit reports. All information is free and designed specifically for consumers who wish to better understand the credit reporting process and, through their own efforts, correct inaccurate credit reports in order to improve their credit scores.

May we suggest you begin by learning all about your rights under the Fair Credit Reporting Act (FCRA) and the new update to this law called the Fair and Accurate Credit Transactions Act (FACTA). These two laws protect you from inaccurate information being reported by the national credit bureaus and credit reporting agencies. The new FACTA offers protection in case someone steals your identity and then commits credit fraud.

There are over 100 pages of information here on how to read your credit (FICO) scores; tips for disputing credit card bills; how to avoid credit repair rip-offs, credit repair frauds and scams; in-depth explanation of the FCRA; and how to qualify for free credit reports.

up Facts about the Fair and Accurate Credit Transactions Act (FACTA)

1. Passed in December 2003; Full details for requesting your free credit reports

2. Added new regulations for identity theft protections, data privacy and credit report access;

3. Requires an on-line program where consumers can request "one free credit report per year"

4. Consumers can request one free consumer disclosure from each credit reporting agency once per year. There are three methods for obtaining your free annual credit reports:

Method 1: Use the central web site at www.annualcreditreport.com

Method 2: Call the free annual credit report number, toll-free at 877-322-8228

Method 3: Request your copy of the Annual Credit Report Request Form and mail it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

up Credit Reporting Email Scam

up Identity Theft - Don't Become a Victim

According to a recent document published by the U.S. General Accounting Office, thousands of people report they are victims of identity theft every year and many more identity theft-related crimes go unreported. The report goes on to say, " Victims typically spend over 175 hours and $10,000 per incident to resolve these problems!

For over eight years I've been urging visitors to check their personal credit reports at least once per year or more often if they plan to purchase big-ticket items like homes and cars. According to the * U.S. PIRG's consumer web site, "One in four credit reports contain errors serious enough to cause consumers to be denied credit, a loan, an apartment or home loan or even a job!"

U.S. PIRG collected 200 surveys from adults in 30 states who reviewed their credit reports for accuracy. Key findings include:

• Twenty-five percent (25%) of the credit reports contained errors serious enough to result in the denial of credit;
  
  
• Seventy-nine percent (79%) of the credit reports contained mistakes of some kind;
  
  
• Fifty-four percent (54%) of the credit reports contained personal demographic identifying information that was misspelled, long-outdated, belonged to a stranger, or was otherwise incorrect;
  
  
• Thirty percent (30%) of the credit reports contained credit accounts that had been closed by the consumer but incorrectly remained listed as open.

When Congress passed the Fair and Accurate Credit Transactions Act (FACT Act) in December 2003, one of the most important rights they gave us is the right to a free annual credit report on request every 12 months. It's important to know that this is NOT per calendar year! If you ordered a report in October 2004, you can order another free report in October 2005.

The new FACTA lets consumers take steps to protect their credit histories because it gives us the right to obtain free credit reports each year; a powerful tool for combating credit card fraud and identity theft.

Guard Against ID Theft - Learn How Here

Step-by-Step Self-help Book for Dealing with Unfair and Illegal Debt Collection Tactics!

Does your heart stop every time the phone rings? Are you afraid to answer the phone at home and at work? Do you dread opening the mail? Are you being called by debt collectors who use abusive language to bully and intimidate you?

Stop the Harassment Now! With this self-help book by your side, you'll be equipped to handle all kinds of debt collection issue from nasty phone calls to stopping harassment. Arm yourself with over 130 pages of effective strategies for stopping debt collectors who use illegal, unethical and unfair collection tactics. If you're dealing with any type of debt collection issue, then you need this self-help book! Learn more...

If you've fallen behind on your bills, especially credit cards, don't panic. You may have several good options available to you. Your success starts by assessing your current situation and finding a trusted service provider that is licensed in your state.
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* U.S. PIRG is the national lobbying office for state Public Interest Research Groups. State PIRGs are public interest advocacy organizations with offices around the country. U.S. PIRG's consumer webpage is at http://www.pirg.org/consumer.