http://www.articlealley.com en-us editorial@articlealley.com Despite the fact that balance is always in favor of the lender in approving mortgage loans of any kind the borrower also has certain rights under the existing law of the land. In fact the laws prescribe both rights and responsibilities for the borrower as... http://www.articlealley.com/http://brainrobin.articlealley.com/fair-lending-and-credit-act-explained-2156223.html 31st March 2011 The new loan modification federal laws can uncover fraudulent lenders New loan modification federal laws, which have been approved during last year, have helped homeowners to avoid foreclosure and to make their monthly mortgage loan payments affordable... http://www.articlealley.com/http://articlesubmitauto.articlealley.com/new-loan-modification-federal-laws-2108355.html 11th March 2011 Credit Card companies are pests to our economy that eat our lives without our knowledge. Credit card companies are money players that twist the laws per their requirement. The Fair Credit Billing Act of 1974 came as a jolt to credit card companies. This A... http://www.articlealley.com/http://robertanderson1.articlealley.com/the-fair-credit-billing-act-is-a-boon-to-consumers-2061792.html 23rd February 2011 As per the Equal Credit Opportunity Act (ECOA) no person can be refused credit on the basis of race, creed, religion or sex. The Federal Trade Commission (FTC) enforces this act to prevent any discrimination. The financial institutions may ask you many qu... http://www.articlealley.com/http://cachetgomes.articlealley.com/a-detailed-study-of-the-equal-credit-opportunity-act-1849493.html 17th November 2010 Isn't it interesting that the score most important in our financial lives, our consumer credit score does not even contain full disclosure? As stated above the Federal Trade Commission has ruled that it is ok for Fair Isaac & Co not to disclose the algori... http://www.articlealley.com/http://maxwellgould.articlealley.com/insurance-credit-scoring-a-moral-issue-1686203.html 09th August 2010 The 3 major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is derived from credit report information submitted to them about you. Uner the Equal Credit Opportunity Act, a credit scoring system may not ... http://www.articlealley.com/http://lenardashley.articlealley.com/how-did-your-credit-score-perform-today-1681303.html 06th August 2010 Though nowadays one might think that women and men have the same opportunities when it comes to obtaining credit, truth is that it has not always been so and even today there are still some differences that can put a question mark after the terms: equal o... http://www.articlealley.com/http://devorawitts.articlealley.com/financing-for-women-the-long-road-towards-equal-opportunity-1203763.html 27th October 2009 The Fair Housing Act, developed in 1968, is a legal policy that abhors prevention and prohibition on any discrimination for the sale, rent and financing of a housing property, by the owners of the housing and direct providers. These, such as real estate o... http://www.articlealley.com/http://maryd.articlealley.com/fair-housing-act-1107606.html 22nd September 2009 Many of us wonder even if it is this legal to do so. Well, YES, you are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading and obsolete items appearing on your credit report. Disputing items... http://www.articlealley.com/http://www.articlealley.com/can-we-dispute-our-own-official-credit-scores-1079073.html 11th September 2009 Over the course of the last year, federal laws regarding loan modifications have changed radically. Between the end of George W. Bush's presidency and Barak Obama's new administration, federal laws have opened new opportunities for homeowners to avert f... http://www.articlealley.com/http://loanmodificationhelp.articlealley.com/loan-modification-help-center--federal-law-governing-mortgage-lending-1023058.html 08th August 2009 When buying a home, remember to shop around, to compare costs and terms, and to negotiate for the best deal. There are many mortgage lenders out their. They will all have something different. Your local newspaper and the Internet are good places to start ... http://www.articlealley.com/http://robertbell.articlealley.com/denver-home-mortgage---shoping-info-962685.html 02nd July 2009 Lenders who provide mortgage loans on a discriminatory basis may face liability under the Equal Credit Opportunity Act, which prohibits discrimination in credit. The Equal Credit Opportunity Act (ECOA) prohibits a wide array of discriminatory lending on t... http://www.articlealley.com/http://nickadama.articlealley.com/equal-credit-opportunity-act-and-foreclosure-880120.html 06th May 2009 In the United States, more credit scores means higher opportunities. You are considered lucky if you obtain and maintain high credit scores compared to those who have incurred no credits at all. It is a popular belief that having high credit scores denote... http://www.articlealley.com/http://julietsadler.articlealley.com/do-you-know-your-credit-score-877534.html 05th May 2009 It's official: Subprime borrowers aren't the sole 'culprits' for the economy's current real estate-driven debacle. According to data released by the HOPE NOW coalition on Wednesday, foreclosures were initiated against 105,000 'prime' borrowers in July,... http://www.articlealley.com/http://robertpalmer.articlealley.com/quit-pointing-the-finger-at-subprime-loans-643844.html 22nd September 2008 While news reports continue to forecast rising foreclosure rates, there may be a solution for homeowners who think they're trapped in a mortgage with no way out. Distressed homeowners already have plenty of legal firepower on their side...they just don't... http://www.articlealley.com/http://robertpalmer.articlealley.com/drowning-in-mortgage-debt-630856.html 09th September 2008 What Creditors Look For? The Three Cs. Creditors look for an ability to repay debt and a willingness to do so and sometimes for a little extra security to protect their loans. They speak of the three Cs of credit: capacity, character, and collateral. ... http://www.articlealley.com/http://worldpeace.articlealley.com/everything-you-need-to-know-about-creditors-597119.html 13th August 2008 RCA Credit is a financial company that services credit repair from people who have a background on bad credit. Since credit repair cannot be done by the individual person only, it needs the services of financial institutions such as RCA Credit. With RCA C... http://www.articlealley.com/http://rickcrosby01.articlealley.com/rca-credit-services-bad-credit-removal-from-rca-credit-579933.html 18th July 2008 Under the terms of the Equal Credit Opportunity Act all lenders are required to apply the same credit standards to all customers regardless of race, gender, marital status, religion, national origin, age and several other criteria. The Act does not give a... http://www.articlealley.com/http://donaldsaunders2.articlealley.com/understanding-the-law-as-it-applies-to-credit-570624.html 07th July 2008 One of the consequences of experiencing bankruptcy, foreclosure, and other bad credit history is that you loose the opportunity of making credits and loans again as you need it at present. But looking back, at that moment, you knew you have no choice but ... http://www.articlealley.com/http://articlelink01.articlealley.com/rebuilding-credit-with-rcacredit-and-rcacreditservices-by-focusing-more-on-rebuilding-good-credit-555660.html 13th June 2008 One of the consequences of experiencing bankruptcy, foreclosure, and other bad credit history is that you loose the opportunity of making credits and loans again as you need it at present. But looking back, at that moment, you knew you have no choice bu... http://www.articlealley.com/http://articlelink01.articlealley.com/helping-you-find-ways-to-rebuilding-good-credit-through-rca-credit-and-rcacreditservices-555654.html 13th June 2008 RCACredit is a financial company that services credit repair from people who have a background on bad credit. Since credit repair cannot be done by the individual person only, it needs the services of financial institutions such as RCACredit. With RCACred... http://www.articlealley.com/http://articlemarketing01.articlealley.com/credit-repair-programs-and-bad-credit-removal-from-rcacredit-496016.html 26th March 2008 One of the consequences of experiencing bankruptcy, foreclosure, and other bad credit history is that you loose the opportunity of making credits and loans again as you need it at present. But looking back, at that moment, you knew you have no choice but ... http://www.articlealley.com/http://articlemarketing01.articlealley.com/rebuilding-credit-with-rcacredit-by-focusing-more-on-rebuilding-good-credit-491006.html 17th March 2008 Have you ever wondered if banks have a tendency to approve credit cards and loans for one sex more than the other? If you are married (or plan to be) I will share with you five vital keys every married person should know before signing any credit applica... http://www.articlealley.com/http://fdg.articlealley.com/five-things-every-woman-should-know-before-signing-any-credit-application-200843.html 13th August 2007 The laws that deal with discrimination in Real Estate date back to the years right after the American Civil War. These discrimination laws apply to Real Estate investors also. The American Civil Rights Act of 1866 prohibited discrimination in the renta... http://www.articlealley.com/http://barrywaxler.articlealley.com/discrimination-laws-for-real-estate-investors-178417.html 29th June 2007 Have you ever wondered if banks have a tendency to approve credit cards and loans for one sex more than the other? If you are married (or plan to be) I will share with you five vital keys every married person should know before signing any credit applica... http://www.articlealley.com/http://seanmatteson.articlealley.com/five-things-every-woman-must-know-before-signing-any-credit-application-171739.html 08th June 2007 There is a command called the Equal Credit Opportunity Act (ECOA) which watches out for discrimination on: - Race - Sex - Marital status - Religion - Age - National origin Creditors have the right to ask for this information but not to use it aga... http://www.articlealley.com/http://martinrogers.articlealley.com/credit-discrimination-laws--learn-to-use-them-115817.html 03rd January 2007 According to the Federal Trade Commission - you see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. Do yo... http://www.articlealley.com/http://michaelsaunders.articlealley.com/getting-the-credit-youre-due--understanding-the-equal-credit-opportunity-act-115065.html 30th December 2006 Equal and unequal consumer credit opportunities: Consumer credit and its necessity: Every individual requires credit for better lifestyle, purchasing a house, starting a business, re modeling an existing home etc. as all these depends upon credit. T... http://www.articlealley.com/http://sayanpotter.articlealley.com/what-are-your-credit-opportunities-105192.html 17th November 2006 People finance their homes, buy household materials and often a car; on the other hand loans are required to fulfill the daily life requirements. Often folks take up loans to fund their college fees, and of course lots of people make purchases with credit... http://www.articlealley.com/http://sayanpotter.articlealley.com/risks-associated-with-credit-limit-105190.html 17th November 2006 A second mortgage can be the first step to climbing out of debt, especially for homeowners who have bad credit. A second mortgage is a loan taken out in "second position" on a property that already has a mortgage. There are fixed-rate loans, adjustable-ra... http://www.articlealley.com/http://mikehamel.articlealley.com/second-mortgage-a-good-first-step-24863.html 20th January 2006