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Consumer credit counseling services of America!
Consumer credit &
debt counseling services across america - nonprofit agency centers!
Credit reporting tips about credit reports and improving scores
Learn
the fundamentals of the credit reporting including your rights under the Fair
Credit Reporting Act.
FAQ about Credit Reporting and the FCRA
Credit reports with answers to
14 frequently asked questions about consumer reports and credit repair with
free sample letters.
Credit terms and definitions
Over 40 credit terms and definitions
including apr, ATMs, Collateral, Cosigner, Creditworthiness and 35 more!
5
Quick Steps to Get out of debt
Learn 5 quick steps to get out of debt,
manage your credit score and improve your creditworthiness!
Fraud; top 10 fraud scams according to the FTC
Learn about the top ten
fraud scams in the USA...
General Credit Information
Learn all about credit reports, improving
credit scores and avoiding credit fraud scams.
How to Guard Against Identity Theft
Learn how to guard against
identity theft with this FREE information.
Better Credit Scores - five myths exposed!
Want better credit scores?
Learn the truth about what you should and shouldn't do to improve your personal
credit scores.
Mortgage & Refinancing Preparation Tips
Use these mortgage and
refinancing preparation tips to get the best interest rates on your next
mortgage or refinance loan.
Fair Credit Search Page
Fair Credit Search Page Fair Credit Reporting
.com SEC. 217. REQUIREMENT TO DISCLOSE COMMUNICATIONS TO A CONSUMER REPORTING
AGENCY. (a) IN GENERAL. —Section 623(a) of the Fair Credit Reporting Act
(15 U.S.C. 1681s–2(a)) as amended by this Act, is amended by inserting
after paragraph ..
Credit Repair Organization Act free credit repair letters!
Credit
Repair Organization Act with free do it yourself credit repair tips and
letters, !
Statute of Limitations on Credit Report Information!
Official
explanation of the number of years information can be reported in a consumer
credit reports!
Credit report information, when reported must be accurate.
If you
report consumer information to credit bureaus then being aware of your
responsibilities under the FCRA can keep you out of trouble - learn more...
Fair and Accurate Credit Transactions Act of 2003 (FACTA)
Learn about
the new Fair and Accurate Credit Transactions Act of 2003 - stay informed;
protect your credit!
Equal Credit Opportunity Act - ECOA federal law!
Equal credit
opportunity act - a federal law prohibiting creditors from discriminating
against credit applicants!
filing credit complaints with federal enforcement agencies!
Dispute
Credit cards or other consumer credit complaints about lenders - free sample
letters!
Credit report dispute letter and follow-up procedures
Free credit
report dispute letters with follow up instructions for fixing credit
reports!
Credit
Laws, complaints and disputes
Credit Laws that protect consumers from
unfair and illegal credit reporting practices. Review all laws here with our
easy navigation
Special notes for credit scores and state laws
Free credit dispute
letters to repair your own credit plus FICO scores and Canadian credit
reports.
Consumer Credit Repair Statement
Credit repair organization act
requires that you sign a consumers rights statement before companies perform
any credit repair services!
Credit repair companies and agents fix or repair credit!
Credit repair
agents and companies repair credit reports by getting inaccurate or outdated
information corrected or deleted! More...
Credit repair fraud and scams claiming to repair bad credit!
Credit
fraud is one of the fastest growing crimes! Learn how to legally repair your
credit and avoid these credit repair scams!
Credit Repair Kits for do-it-yourself credit repair
Credit repair kits
may help you fix your credit reports but do you really need one? Learn the
answer here...
Dispute credit reports yourself following these credit repair steps
Repair your own credit files using these step-by-step credit report dispute and
repair procedures.
Credit Repair Information
Learn how to repair your own credit reports
while avoiding credit repair scams.
Credit FICO Score and credit bureau rating!
Credit scoring systems
explained! Get your free online fico beacon rating and learn how to improve
your credit bureau scores!
Adverse Credit Report Codes and Descriptions
Adverse action codes used
in credit reports are intended to explain the top four adverse conditions on
your reports. See what they mean here...
5 Quick Steps to a Better Credit Scores
Use these 5 quick steps to
improve your credit scores and our FREE credit repair dispute letters.
Improve your credit scores - 5 Quick Steps
Learn how to manage your
credit score and improve your creditworthiness!
Credit Scores and how to improve yours!
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The Fair Credit Reporting Act
Introduction to the fair credit
reporting act, a federal law (fcra) that protects your personal histories and
credit reports!
Definitions and rules of the Fair Credit Reporting Act
Credit reports
must be constructed according to the fair credit reporting act to protect
consumers and their credit reputation! More...
Permissible or legal purposes of consumer reports:
Permissible
purposes of consumer reports is outlined in the fair credit reporting act!
More...
Consumer reports contain the following information:
All consumer
credit reports must contain or exclude certian information according to the
Fair Credit Reporting Act! More...
Disclosure of investigative consumer credit reports - FCRA
Investigative consumer reports are allowed under the fair credit reporting act
have specific liabilities! More...
Fair credit reporting compliance procedures for credit bureaus!
Consumer reporting agencies are required to maintain reasonable procedures
designed to avoid violations of the FCRA. More...
Disclosure of your credit report to governmental agencies
Your credit
report history can be revealed to a governmental agency under the Fair Credit
Reporting Act! More...
Consumers entitled to full disclosure of credit report
Consumer
reporting agencies must clearly and accurately disclose information contained
in your credit report to you! More on the Fair Credit Reporting Act...
Conditions under which credit reports are disclosed.
The fcra requires
disclosure of credit files to consumers upon request! Learn more...
Learn how to dispute your credit reports
Learn how to dispute credit
files using the fair credit reporting act! Free sample letters for credit
report disputes!
Charges for copies of your credit report!
The fcra sets the cost and
requires CRA to provide free reports to consumers on reinvestigation, debt
collection and adverse actions!
Credit reports used for employment purposes:
Credit reports for
employment purposes must be handled according to the fcra! Adverse employment
actions must be reported to consumers free!
The fcra restricts investigative consumer credit reports!
Investigative consumer credit reports are regulated by the Fair Credit
Reporting Act! Learn how to prevent adverse actions...
Adverse credit report actions according to the FCRA
Adverse actions
under the fcra based on third party information requires specific proof! Learn
more on Fair Credit Reporting Act!
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