http://www.articlealley.com en-us editorial@articlealley.com Your FICO score is much like a report card. It gives you an overall "grade" on how well you manage your credit. The score is formulated with a complex algorithm that factors in things like late credit card payments, high balances, collection accounts and ... http://www.articlealley.com/article_503991_19.html 02nd April 2008 If you owe money and have fallen behind on payments and a collection agency tries to contact you, familiarize yourself with the Fair Debt Collection Practices Act and your rights. The FDCPA covers all personal, family, household debts as well as money owe... http://www.articlealley.com/article_503990_19.html 02nd April 2008 Most likely you have incorrect, outdated or incomplete information that appears on your report. The reason for this is generally due to human error such as someone keying in your name wrong in a credit application or a creditor not updating your account l... http://www.articlealley.com/article_141382_19.html 27th March 2007