What’s In Your Credit Report?

December 30th, 2008 by dutch
Your credit report information can mean the difference between a “yes” and a “no” on your next large purchase or on your next charge card. We pretty much know what details are listed on the tell-all expose of our debt history. The basic information includes name, address, telephone number, social security number and your date of


What to Do When the Collection Agency Starts Calling

September 14th, 2007 by hfreeman

Collection agency workers go through training to learn different techniques to collect past due debts.  The following illegal tactics are used to scare consumers into paying their delinquent debts: persistent or threatening calls or letters, threat of legal action, referral to an attorney, pretending they are an old friend or neighbor, calling you by your first name to catch you off guard, sending falsified letters from attorneys.  Many of these tactics violate the Fair Credit Reporting Act (FCRA) and Fair Debt Practices Collection Act (FDPCA).

You can request that the collection agency contact you by mail only if you feel they are harassing you.  This provides you with evidence of any illegal tactics they may use.  A collection agency's goal is to get the debt owed paid as soon as possible.  Stick to whatever arrangements you make with a collection agency, don't let the collection agency scare you into doing something you don't want to do or change your mind about how much you can afford.  How to Get Our of Debt:  Get an "A: Credit Rating for Free will help you stop the


Get Personal Free Online Credit Report

October 12th, 2006 by admin
Having a good understanding of your Credit Rating is worthwhile, however, and if the score you get in your free online Credit Report is lower than you thought it would be, it probably worth paying the fee to find out why. Sites that offer free online Credit Reports are apparently betting that you will want more information. Fortunately for me, I discovered my rating was higher than I had thought, so I was happy with my free online Credit Report by itself. The service is actually interesting, however, as it allow you to track recent changes to your Credit Rating. If you are especially worried about current trends in it, it may be worth holding on to your membership there. One thing to watch for if you sign up for a free online Credit Report there might be any additional memberships added from the site that signs you up. With so much of our economics today running on credit, it is no wonder why people hold Credit Ratings with such importance. I almost do not have to use cash anymore for anything. Next time when you are in a long line at the Supermarket, count how many people ahead of you pay with


Is “Free” Credit Report Online Really Free?

September 20th, 2006 by admin
For all you know, someone could be stealing Credit information right under your nose. They could be using your name and identity to buy Cellular Phones, order Credit Cards. They could even be renting homes, pretending that it is all in your name. The first step to stop these egregious and destructive identity thefts is to get your free Credit Report online, so that you will know that they are happening. Actually getting your Credit restored is much more difficult, so it is important that you get a free Credit Report online to track if anything like this is happening as soon as possible. To restore your Credit, if your identity has been stolen can take a good bit of time and money. Basically, you have to prove to your supposed Creditors that it was not you who bought whatever goods and services supposedly obtained in your name. This is no easy task, and can take at least six months to a year. You can get a free Credit Report online anytime, according to some sites. However, is this online Credit Report really free? Well, yes and no. sometimes you can get one for free, but you have to give the site


Get A Copy of Your Credit Report Information

September 13th, 2006 by admin
There are many ways to get your Credit Report Information, and one of those is to request it from the three major Credit-Reporting agencies. If you have been denied Credit for any reason, you will have thirty days to request a free copy of your Credit Report from the agency in question. You are also entitled to one free Credit Report a year. You can get all of your Credit Report Information in one shot, and it will not cost you anything. This is a new thing, so you should find more information about where to get it, and how to go about obtaining the information. Experts would suggest you keep better track of your Credit Report Information by checking it more than once a year. If you are trying to repair your Credit, you will want to see it more than once a year so you know how you are faring in your endeavor. While checking your Credit once a year is free, you will have to pay to see it more often. You can request your Credit Report Information at anytime by going online or offline and paying a fee. Many times these reports can