http://www.articlealley.com en-us editorial@articlealley.com So, you’ve dug yourself into a bit of a credit hole, eh? Well, the good news is that you’re not alone. The economy has been rough on a lot of people for longer than we care to admit. Millions of people have done what they had to do in order to get by. And... http://www.articlealley.com/http://cashcall.articlealley.com/you-can-improve-your-credit-and-get-out-of-the-cash-jam-youre-in-2403577.html 10th January 2012 The best credit report is the one with the best credit rating in it. A credit rating is a number that is used by lending institutions in deciding whether to accommodate a loan for an individual. The most well known and most used credit rating in the Unite... http://www.articlealley.com/http://nazimagolamaully.articlealley.com/how-to-get-the-best-credit-report-2356070.html 23rd September 2011 There are a lot of ways to improve credit rating, but before making steps towards improvement, an individual must first know where he/she currently stands. The Fair and Accurate Credit Transactions Act of 2003 requires the top three credit reporting burea... http://www.articlealley.com/http://nazimagolamaully.articlealley.com/how-to-improve-credit-rating-2356067.html 23rd September 2011 The credit score affects the creditworthiness of an individual. This will assure the debtor that a good credit score gives more chance of getting a loan approved as soon as possible, getting a job application approved quickly and getting a new credit card... http://www.articlealley.com/http://checkcreditscore.articlealley.com/check-my-credit-score-to-get-credit-fast-2201849.html 28th April 2011 Are you in the market for a paper shredder for professional use? If you are, there are some questions to ask yourself so you'll end up with the best device for your needs. These are the questions.... "What do we need to shred?" This is probabl... http://www.articlealley.com/http://mybinding.articlealley.com/choosing-a-paper-shredder-for-professional-use-questions-to-ask-yourself-2161780.html 04th April 2011 If you don't have a paper shredder, you need to consider getting one. A good shredder will help you keep private information out of the wrong hands and help you comply with federal privacy legislation such as the Fair and Accurate Credit Transactions ACT ... http://www.articlealley.com/http://mybinding.articlealley.com/the-dahle-30406-shredder-packed-with-special-features-2151266.html 30th March 2011 Shredding your documents has become a hot topic in recent years because of the rise of identity theft and other types of fraud. If you don't have a paper shredder or if you've been having a shredding company take care of your unneeded documents, you shoul... http://www.articlealley.com/http://mybinding.articlealley.com/three-reasons-why-you-should-shred-your-documents-yourself-2122264.html 16th March 2011 Paper shredders can be found in just about every office across America, whether home or corporate. Machines that were previously considered a luxury are now becoming a necessity, even legally required in many cases. But how does that pertain to you? Here ... http://www.articlealley.com/http://mybinding.articlealley.com/five-reasons-why-you-need-a-shredder-2109672.html 11th March 2011 Contrary to popular belief, the three major credit bureaus are not a division of the federal government. They are independent for-profit companies that operate under the regulations and restrictions of federal consumer protection laws. These laws govern p... http://www.articlealley.com/http://allanhenry.articlealley.com/ccpa--fdcpa-2108588.html 11th March 2011 In 1995, the Fair and Accurate Credit Transactions Act was passed. This forever changed the way business documents were disposed of. For many this is a relief; for others, such as those who are in charge of such tasks, this may seem like an annoying nui... http://www.articlealley.com/http://tedsorto.articlealley.com/its-the-law-2106652.html 11th March 2011 Having a paper shredder is necessary these days thanks to the rise in identity theft and the appearance of federal privacy laws such as Fair and Accurate Credit Transactions Act (FACTA). If you need a shredder for your workplace, the MBM DestroyIt 2604 wo... http://www.articlealley.com/http://mybinding.articlealley.com/five-reasons-to-buy-the-mbm-destroyit-2604-paper-shredder-2092774.html 05th March 2011 The Fair and Accurate Credit Transactions Act, 2003 in the US has established a base that allows everyone and anyone to gain complete access to their credit card reports from all the three prominent credit bureaus of the country. All those in demand of it... http://www.articlealley.com/http://alienjoshap.articlealley.com/free-annual-credit-report-securing-your-present-as-well-as-your-future-2050748.html 18th February 2011 In today’s economy, knowing your credit score can go a long way in terms of saving you a lot of money, specially when making big purchases such as a car, a house and getting different kinds of loans. Lending money to people you don’t know much about is a ... http://www.articlealley.com/http://satrap.articlealley.com/how-to-get-a-free-credit-score-report-1779961.html 06th October 2010 If you are an individual you might wonder if you wanted to have a paper shredder. Do you think that you need it for personal use? Well the answer to this can be yes and no, but yes in most cases, because almost every person has some files that he must get... http://www.articlealley.com/http://carolina.articlealley.com/5-reasons-to-buy-a-paper-shredder-1672321.html 03rd August 2010 Every consumer should be aware of the importance of regularly checking and updating their credit report, since this will impact your credit status. If you do not know the impact of performing this annual checking, then you can find several websites on the... http://www.articlealley.com/http://macinger84.articlealley.com/how-to-check-credit-report-1640813.html 07th July 2010 Last year the FTC and federal banking agencies passed the Fair and Accurate Credit Transactions Act Furnisher Rules which imposes major new responsibilities for lenders, servicers, collectors and other financial institutions that report information to cr... http://www.articlealley.com/http://marcocarbajo.articlealley.com/fair-credit-act-fact-act-furnisher-rules-go-in-effect-july-1st-2010-1624037.html 29th June 2010 Every small office needs a paper shredder. Not only does a device such as this help protect everyone's identities, it can help you comply with federal privacy laws such as the Health Insurance Portability and Accountability Act (HIPAA) and the Fair and Ac... http://www.articlealley.com/http://mybinding.articlealley.com/three-great-paper-shredders-for-small-offices-1561870.html 21st May 2010 Whether it is to pull equity out of your home, or to be able to have access to it on a rainy day, a California second mortgage with a low credit score is a good thing to consider. One way is to find mortgage lenders that cater to people that want to ge... http://www.articlealley.com/http://benthomas.articlealley.com/how-to-obtain-a-california-second-mortgage-with-a-low-credit-score-1484537.html 01st April 2010 Paper shredders are found all over the place now because they offer a convenient way to destroy those sensitive documents. If you don't have one of these machines, you need to buy one. Here are four reasons why.... 1.) To protect your identity. Accor... http://www.articlealley.com/http://mybinding.articlealley.com/why-you-need-a-paper-shredder-1453158.html 18th March 2010 Yes, you can now get your credit report without paying a dime. And unlike before, now is truly free. You no longer have to join a 'free report' Credit by signing 'credit monitoring protection service' for a low annual fee of $ 79 per annum! The days of do... http://www.articlealley.com/http://ali.articlealley.com/3-top-ways-to-get-the-free-annual-credit-report-1448039.html 15th March 2010 Commercial-grade paper shredders are the ideal document destruction solution for large offices that are concerned about identity theft and obeying federal laws including the Fair and Accurate Credit Transactions Act (FACTA). One of the best products of th... http://www.articlealley.com/http://mybinding.articlealley.com/reviewing-the-fellowes-powershred-c420c-paper-shredder-1401052.html 17th February 2010 Security is often the most sought-after feature when someone decides to buy a paper shredder. One machine that can give you this feature is the Fellowes MS-450Cs Shredder. This is a micro-cut machine that will literally turn your documents into hundreds o... http://www.articlealley.com/http://mybinding.articlealley.com/the-top-five-features-of-the-fellowes-ms450cs-microcut-paper-shredder-1401038.html 17th February 2010 The Federal Trade Commission (FTC) and the federal financial institution regulatory agencies have sent to the Federal Register for publication final rules on identity theft "red flags" and address discrepancies. The final rules implement sections 114 and ... http://www.articlealley.com/http://brianwarren.articlealley.com/how-does-government-protect-you-from-identity-theft-1291207.html 11th December 2009 In real life, most people wait until the last minute before checking on their credit scores. It is only after getting denied on their credit application that many people decide to take a look at their credit reports. But waiting until a lender has rejecte... http://www.articlealley.com/http://melaniejames.articlealley.com/why-should-we-check-our-credit-score-regularly-1278728.html 08th December 2009 Copyright (c) 2009 Suzy Vanstrusen In real life, most people wait until the last minute before checking on their credit scores. It is only after getting denied on their credit application that many people decide to take a look at their credit reports... http://www.articlealley.com/http://suzy.articlealley.com/why-should-we-check-our-credit-score-regularly-1265209.html 27th November 2009 When setting up an office, there are a lot of machines you need to purchase such as computers, printers, photocopiers, and so on. But one machine that's sometimes overlooked is the paper shredder. With the prevalence of identity theft and the appearance o... http://www.articlealley.com/http://mybinding.articlealley.com/paper-shredders-for-beginners-1250050.html 24th November 2009 Document security is a very hot topic these days due to the rise in identity theft and the appearance of federal privacy laws such as the Health Insurance Portability and Accountability Act (HIPPA) and the Fair and Accurate Credit Transactions Act (FACTA)... http://www.articlealley.com/http://mybinding.articlealley.com/gbc-gl-shredmaster-paper-shredders--tough-machines-for-tough-jobs-1243463.html 23rd November 2009 One of the most important decisions to make when buying a paper shredder is whether to choose a strip- or cross-cut machine. It may seem like a trivial detail, but the kind of cut your shredder produces can have a big impact on your privacy and, if you're... http://www.articlealley.com/http://mybinding.articlealley.com/the-many-benefits-of-crosscut-paper-shredders-1226241.html 11th November 2009 You've read all about identity theft. You're well-informed about federal privacy laws such as the Health Insurance Portability and Accountability Act (HIPPA) and the Fair and Accurate Credit Transactions Act (FACTA). And you're concerned about the planet ... http://www.articlealley.com/http://mybinding.articlealley.com/the-three-1226231.html 11th November 2009 If you already have a paper shredder or you're thinking about buying one for your home or office, perhaps you're wondering which documents you should shred. A good rule of thumb would be this: shred anything you wouldn't want a stranger looking at. That s... http://www.articlealley.com/http://mybinding.articlealley.com/eight-types-of-documents-you-must-shred-1196783.html 23rd October 2009 In this age of economic woe, you're probably looking for ways to save money and boost productivity. Think about your operating costs. Do you routinely outsource work that could easily be done in your office? Do you send your binding and laminating project... http://www.articlealley.com/http://mybinding.articlealley.com/saving-money-with-fellowes-machines-1191626.html 21st October 2009 Identity theft is on everybody's minds these days and one of the best ways to protect yourself from being a victim of this crime is by using a paper shredder. But how do you know which shredder to buy? Which type of shredder offers the best level of secur... http://www.articlealley.com/http://mybinding.articlealley.com/choosing-a-paper-shredder-1176707.html 15th October 2009 Paper shredders are becoming more common not just in the copy rooms of big corporations, but also in private residences and small businesses. And it's not only due to their omnipresence at office retailers and big-box department stores. In the age of the ... http://www.articlealley.com/http://mybinding.articlealley.com/five-reasons-to-buy-a-paper-shredder-1173159.html 14th October 2009 FACTA stands for "Fair and Accurate Credit Transactions Act", a law that became effective in June 2005. The FACTA law requires companies that have one or more employees to provide them with proper document disposal equipment. In other words, according to ... http://www.articlealley.com/http://virenderyadav.articlealley.com/facta-law-effects--paper-shredders-1099098.html 21st September 2009 We've all seen the ads for "free credit reports" in our email and on various websites. But are most free credit report offers real? Unfortunately, most are not actually free. In fact, most require a monthly "credit monitoring" or other fee - one tha... http://www.articlealley.com/http://www.articlealley.com/can-you-really-get-a-free-credit-report-1079081.html 11th September 2009 These days information about obtaining credit reports is readily available to everyone and all to often it is misleading information, especially in the world of the Internet. Unfortunately, some of this misinformation comes from credit reporting agencies... http://www.articlealley.com/http://wendypolisi.articlealley.com/federal-laws-give-you-free-credit-reports-1061529.html 02nd September 2009 If you live in the U. S., then you are entitled each year to get a free copy of credit report. It was not always that way. In 2003, a law, called th Fair and Accurate Credit Transactions Act, was passed. Up until then, if you wanted a copy of your report,... http://www.articlealley.com/http://andyzain.articlealley.com/a-guide-to-help-you-get-your-free-annual-copy-of-credit-report-1054454.html 28th August 2009 Your credit scores play a very important role every time you borrow money from the bank. That is why before making huge purchases that needs financing, one must know exactly how he or she stands in terms of credit. And knowing your credit scores can be va... http://www.articlealley.com/http://victoriasan.articlealley.com/research-your-credit-scores-1053930.html 28th August 2009 Credit scores are very much important as it plays a major part when you are going to purchase some items or properties. Things like mortgage, insurance, and many more will surely be much expensive if you have a problematic credit score. This is the main... http://www.articlealley.com/http://fmorgan.articlealley.com/facts-that-you-should-understand-about-your-credit-scores-1039466.html 18th August 2009 Check your Credit Report While it is not absolutely necessary that you have a perfect or extensive credit history in order to purchase a new home, having good credit is definitely a plus. Residents of Texas can now get free copies of their credit repo... http://www.articlealley.com/http://lisazapalac.articlealley.com/review-your-credit-report-812084.html 09th March 2009 Every organization should have a secure document destruction program in place. In fact, some rules and regulations require it. For example, the Fair and Accurate Credit Transactions Act of 2003 (FACTA) details how businesses must dispose of information in... http://www.articlealley.com/http://craigabramson.articlealley.com/implementing-a-bin-rotation-program-for-secure-document-destruction-799049.html 25th February 2009 When it comes to all the proactive measures you think you know about protecting your personal information from identity thefts you should know, there are already two strikes against you. The simple fact of the matter is whether you like it or not, you on... http://www.articlealley.com/http://ronaldhudkins.articlealley.com/the-problem-with-protecting-your-identity-763634.html 21st January 2009 Credit reports are used by companies to decide how much to loan you and what interest rates to charge you. They provide information on your credit history such as loans, payments, late payments, and due payments to those who you seek to borrow money from.... http://www.articlealley.com/http://allan6.articlealley.com/how-to-get-your-credit-report-for-free-online-from-internet-749030.html 09th January 2009 The Fair and Accurate Credit Transactions Act, signed into law on Dec. 4, 2003, gives every American the right to a free credit report every year from each of the three major credit bureaus -- Equifax, Experian and TransUnion. What the law doesn't do is g... http://www.articlealley.com/http://justinnarin.articlealley.com/how-to-read-your-credit-report-747030.html 09th January 2009 Have bad credit? Need credit repair? Care to repair your own credit or even hire a credit service organization? Before you do so, you should tune into the Credit Restoration Consultants Hour with credit repair expert Bill Lewis. Bill can be heard weekday'... http://www.articlealley.com/http://williamelewisjr.articlealley.com/credit-repair--fix-bad-credit--credit-restoration--credit-report-repair--credit-repair-expert-618237.html 04th September 2008