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Solving Your Credit Problems
Your credit report can influence your purchasing power, as well as your opportunity to get a job, rent or buy an apartment or a house, and buy insurance.
There Is No Quick Fix For Improving Your Credit Report
It takes time to repair you credit – it can't be done overnight.
What To Do If You Have Credit Problems
Here are some basic steps to take if you have credit problems.
Are You Managing Credit And Debt Or Is It Managing You?
Who is in control – you or your credit card?
Questionable Credit Repair Offers
Are you trying to get your credit repaired? You should read this.
How To Dispute Mistakes On Your Credit Report
Credit card reporting companies can and do make mistakes on your credit report.
Negative Credit Can Affect Your Job Search
Many employers run credit checks before hiring new employees.
How Do You Establish A Credit History?
Getting credit can be a real Catch-22. You need credit to get credit. If you don’t have credit, you can't get credit. What do you do?
Fair Debt Collection Practices Act And You
If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor."
How To Use The Fair Credit Billing Act (FCBA) To Your Advantage
Have you ever been billed for merchandise you returned or never received?
Need Credit or Insurance? Your Credit Score Helps Determine What You’ll Pay
How important is your credit score? It can determine your credit card interest rate, insurance costs, and even your mortgage loan rate.
Ever Receive A Credit Card In The Mail?
If you receive a credit card in the mail, what do you do with it?
Choosing And Using Credit Cards
What are all the terms in all of those pre-approved credit card offers I keep receiving?
Choosing Your Credit Card Based On APR
The first step in choosing a credit card is thinking about how you will use it.
Credit Repair: Don't Get Scammed
Can you really repair bad credit? Yes, but it will take time and persistence. No matter what you see or hear, there is no quick fix.
Credit Card Reports Questions And Answers
If you plan to get a credit card or if you already have a credit card, you need to know the law.
How Do You Dispute An Error On Your Credit Card?
Have you ever ordered something and gotten billed for it but didn’t receive the merchandise? What do you do next?
Credit Insurance: Is It Right for You?
The next time you apply for a mortgage or personal loan, you may be asked if you want to buy credit insurance, or it might already be included in your loan proposal. Should you get credit insurance or can you live with it? Only you can answer that question.
Divorce and Credit–Are You Liable?
Getting a divorce can be painful for both parties and can be even more painful if you have joint credit cards.
Your Debts and Debt Collectors
You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a “debt collector.” A debt collector is any person, other than the creditor, who regularly collects debts owed to others, including lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors.
Your Credit Billing and Electronic Fund Transfer Statements
With the increased use of credit cards, electronic banking, and internet buying, checking your bills is of the utmost importance. Identity theft is rampant and checking your accounts regularly is your best defense against losing your good credit.
Your Credit and Your Rights
A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment.
Equal Credit Opportunity – What Can Creditors Do?
Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan. Creditors have rules to follow – so make sure you know the rules and ensure that they are followed.
Applying for Credit – A Regular Catch-22
We live in a Catch-22 world. You can’t establish credit unless you have credit. You can’t get a loan until you have a history of good credit – but – how do you get a credit to begin? Being a good shopper and always paying with cash will come back to haunt you when you want to make a major purchase – like a car or a house.
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