Archive for February, 2010

If you are in the process of trying to repair your credit then it is well worth your time to get a copy of your credit report from one of the three major reporting companies. With your credit report you can see what is being reported and how it is affecting your credit. … »

As you may know, it is guaranteed to you that you can receive a free copy of your credit report once per year to check for any errors or inaccuracies. This is a great way to keep track of your credit score and see if there is anything you need to dispute or improve…. »

One of the basic rights that you are given under Federal Government regulations in regards to your credit score and credit report is to have the ability to dispute any claims made against you. If you have a copy of a credit report that gives information on you that you believe to be inaccurate… »

When you are trying to get your debt situation rectified and repair your credit it may seem as if certain things will never go away. It will seem as if the credit gods have abandoned you and left you to rot in your current situation with no possibility of ever getting out. While… »

There are many things that will affect your credit and show on your credit report and one that is pretty severe is that of a criminal arrest. This activity shows the potential for you to be in a situation where debts cannot be paid and that is scary to a business so you must… »

The Fair Debt Collection Practices Act (FDCPA) forces debt collectors to play by a fair set of rules designed to make sure that the consumer is treated with respect and dignity. We all know how undignified it can feel to be approached by a debt collector and the fear it strikes when you know… »

The phone rings at about 8:35 PM and you know that it is not family because they never call at that time. Then the lump begins to rise in your throat and you realize this can only be a call from your debt collector calling to try to collect on your debt. You… »

Whenever the topic of debt settlement is broached the thoughts immediately go to someone trying to get out of crushing debts with an agreement with their creditors. Debt settlement can be much more than that, it can be something as simple as trying to come to an agreement with your debtors about how much… »

There is no doubt that your standing with credit companies will always affect the amount of your debt and therefore your quality of life. When it comes to credit and debt you are protected by the Federal Government in a variety of ways, one being the guarantees given under the Equal Credit Opportunity Act…. »

Anytime that you are dealing with credit card companies or credit issues in general you should be aware of a few things that could help you survive. These are not federal guidelines, but they are things that the federal government would like you to know about your credit issues. Debt collections can be… »