FICO Score Factors That Do Not Affect Your Scores

FICO score factors that don’t affect your scores are important to know. Know what what to not do to improve your credit scores.

E Loans Free Credit Score Offer – Useful For A Mortgage?

E Loans Free Credit Score offer does not give you your real credit scores. To get them, like so many other free credit report and credit scores you have to pay for them.

Stop Collector Calls – Fair Debt Collection Practices Act

Stop Collector Calls by knowing section 805 of the Fair Debt Collection Practices Act. Basic consumer rights and responsibilities are covered in this article.

Credit Scores 101

What are credit scores and where to they come from? Given their importance in getting a credit card, obtaining a mortgage or car loan, you need to know about them.

Defaulting on Student Loans – Just Do Not Do It

In college and you have student loans? The best advice I can give you is to make sure you pay them back. I have paid my student loans back, but when I had them, I paid them first before anything else, including my mortgage and car loans.

The Basic Steps to Credit Repair

The process of questioning information found on your credit report is called credit repair. If you are going to repair your credit there are some basic things you need to know and steps to follow. In this article you will find the basics of credit repair.

8 Tips for Raising Your Credit Scores – Things Your Creditors Will Not Tell You

Raising credit scores takes some knowledge of what steps to take. Review tips on little known techniques that can have a dramatic and positive impact on your credit scores.

ID Theft: More Annoying Than You Might Think

Unless you’ve been living in a fallout shelter for the last 10 years (and if you have, congratulations on wrangling Internet access), you’re keenly aware of just how rampant ID theft is these days.

Got Debt – Quick and Free Credit Fixes

If you are in debt and want to get out, there are many quick and free things you can do. Too much debt will get in the way of owning a home, or buying a car, or just getting what you want out of life.

What is Credit Repair?

What is Credit Repair? Credit repair is the process of using the US Consumer Credit laws to challenge and remove negative information from your credit report. The three laws that cover us and our consumer credit are: the Fair Credit Reporting Act (FCRA), the Fair Credit Billing Act (FCBA), and the Fair Debt Collections Practices Act (FDCPA). Unfortunately, these same Acts cover our creditors too.

My Credit Report is Wrong, What Are My Rights?

If your Credit Report is wrong, you have rights to have it fixed. The FTC, Federal Trade Commission spells out your rights as a consumer if you have credit accounts with creditors. You may have more options about what to do about a bad situation you may be in than not answering the phone or getting mad every time your phone rings…