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17th September 2009
The FCRA is a federal law that promotes the right collection and dissemination of information, gathered and filed, with the Consumer Reporting Agency. They also regulate the proper usage of the said information. This helps protect the consumers especially... Read >
Author: Roby Smith16th September 2009
Do you believe it's likely you could clear bad credit on your fico reports by yourself? What amount of time do you think it will take to clear your bad credit and do you envision your ability to do it? If it only took a few minutes or hours of your time... Read >
Author: L J Sutherland16th September 2009
The Fair Credit Reporting Act, or FCRA, entitles you to a free copy of your own government credit report every year. You are assured of the privacy and accuracy of information when you deal with the authorized consumer reporting companies.
Your credit ... Read >
Author: Andy Zain16th September 2009
You Need Leverage
Credit repair results are best accomplished with leverage. There is little use in engaging the massive credit reporting system without a clear and precise knowledge of the areas where you will be able to gain a foothold. The system is... Read >
Author: Ian Webber15th September 2009
Free Trans union is one of the FCRA. Which has a legal authority to provide you free credit report? But the important of the information is how it’s interrupted. So to get the maximum benefits from your credit report, it helps to see the report data lik... Read >
Author: wbdoyle11th September 2009
Some financial advisors suggest that you periodically review your credit report for inaccuracies or omissions. This could be especially important if you're considering making a major purchase, such as buying a home. Checking in advance on the accuracy of ... Read >
11th September 2009
Being an employer, you may want to use consumer credit reports while hiring new employees and also while assessing them for promotion, reassignment, and retention, but only if you abide by the Fair Credit Reporting Act (FCRA). Sections 604, 606, and 615 o... Read >
10th September 2009
Did you know it's illegal to refuse tenancy or a job offer to an individual if the decision was based on a purchased background check report and the landlord employer did not have consent from the applicant.
There are many rules and laws that govern th... Read >
Author: David Xavier Lethcaw04th August 2009
FCRA or fair credit reporting act is a federal law that determines how consumer credit information can be collected, distributed, and purchased. Under the FCRA, consumers have the right to view information in their credit and dispute any inaccurate info... Read >
Author: Flynna Sarah E. Molina01st August 2009
Here are some basics facts and tips on consumer credit repair and why you should look into having it repaired.
"What is a credit report, and why is it important?"
A consumer credit report is a factual record of your credit activities. It reports... Read >
Author: Steve De la Rosa27th July 2009
Most home buyers and owners have one reliable entity to turn to when planning to purchase a home or property and that is getting home mortgage to support their finances and have a home of their own. The United States federal government likewise saw the im... Read >
Author: F. Morgan18th July 2009
Background screening can create an uneasy feeling for applicants; that they are mistrusted from the start, or that Big Brother is watching. Yet, the positives of this practice - which is absolutely integral to today's business, where safe hiring is essen... Read >
Author: Lester Rosen12th July 2009
How FCRA protects the home buyer
Have you ever had to face an adverse report from any company or bank, who is supposed to conduct some sort of business with you, even though your information is that there is nothing wrong as far as your credit worthiness... Read >
Author: Ravisankar07th July 2009
You can always repair your bad credit no matter what. Do not lose hope. There are several ways for you to get your credit score back.
A lot of people have some bad credit scores for several reasons. However, sometimes, the reasons are not really our fa... Read >
Author: J. Owens23rd June 2009
A credit inquiry is a record of any entities who may have viewed your credit reports, as well as when this was done. Credit reporting agencies are required to maintain a concise report of these inquiries for 24 months by the federal government. There are ... Read >
Author: Cecilia Rodriguez12th June 2009
On October 13, 2008, ABC News released a story discussing the literally dozens of lawsuits in the past two years over faulty background checks. These suits, alleging that background checks have been conducted inacurrately, unanimously argue that such pra... Read >
Author: Lester Rosen15th May 2009
Credit check is usually done to verify whether you are eligible for a loan or on any other forms of credit based on your past credit performances. This will reveal your past as well as your previous credit transactions with different lenders and how you d... Read >
Author: Juliet Sadler09th April 2009
Too Many Errors
Credit repair serves a real purpose. Credit reporting errors are much more prevalent and costly than most people realize. Over half of all credit reports have errors on them that are serious enough to cause the victim to pay higher inte... Read >
Author: Ian Webber23rd February 2009
Perhaps you have just started looking into repairing your credit and want to learn a little about the basics of credit repair. There is an incredible amount of information to be found online, but much of it is contradictory " and confusing. Is credit re... Read >
Author: dmoskel12th February 2009
There are several ways that your credit rating can be adversely affected. Many times the items being reported to your credit bureau may be inaccurate. To help consumers protect their credit bureau reports, the government has in place some laws that can he... Read >
Author: Marc Marseille06th January 2009
Humans do not like getting on the wrong side of personal finance. It dents them in their day to day living and also casts social trauma on them. They wish to stay afloat with a proper credit score that can also come in handy for any further credit needs. ... Read >
Author: Jamie Hanson13th December 2008
There are dozens upon dozens of ads all around us that state they can erase bad credit in a snap. I’m sure you’ve heard them. Aside from that, there are dozens more ads that state you can get a major credit card without putting a deposit down or a c... Read >
Author: S.L.W.24th November 2008
When dealing with your credit, you are bound to hear a lot of rumors and myths about a credit repair business. Many people are adamant about hiring a business because they are not exactly sure what to expect. Here are five myths you may hear and will wa... Read >
Author: Allan Zolis23rd October 2008
The easiest tip to a good credit score is to pay your bills on time. Even if you have negative items on your credit it is still very important to pay your bills on time.
The reason is because by paying this month bills on time you will be showing posit... Read >
Author: dmoskel08th September 2008
A charge off is a very detrimental mark for your credit score. Having this on your credit history will make getting approved for a new credit line very difficult.
On occasions when you do get approved, you will pay much higher interest rates or have to... Read >
Author: dmoskel18th June 2008
How far can we give into someone else’s past? Should we take into account every bit of detail we get from background checks?
The importance of background screening to business is undeniable. Many businesses have made this a standard procedure in thei... Read >
Author: robertboughner03rd April 2008
It might be a fact that I had the worst credit report in the world or at least thats how the banks treated me but what if I told you that it was possible to erase everything negative from your credit report, with out filing for bankruptcy and in return ke... Read >
23rd January 2008
Background checks provide individuals with information about others. They give a look into your past and, by doing so, help to provide information that may be relevant to your future. Many employers use past information about you that they obtain from a... Read >
Author: CSteele30th October 2007
Unfortunately, many people will overlook this option, feeling that going with debt consolidation means they are giving in to the enemy. Credit repair, debt consolidation is simply another weapon at your disposal for getting and staying on track.Profession... Read >
Author: Deanna Mascle22nd October 2007
FCRA or The Fair Credit Reporting Act is designed by the Federal Trade Commission to promote accuracy and ensure privacy of the information used in consumer reports. This is designed to protect the citizen and several commonly asked questions are answered... Read >
Author: David Makarski19th July 2007
Employers need to have permission from the applicant or employee. They must have consent to do background investigation, to contact past employers and to contact government agencies. They should also have to cooperate with the investigation process. The i... Read >
Author: Jemar Wright06th May 2007
Have you ever wondered what companies send you when they claim you can erase bad credit overnight? How about those ads that say you can get any major creditcard without a deposit or a credit check? Ads abound almost everywhere these days (online and off)... Read >
Author: Sean Matteson18th April 2007
Employers often run background checks on prospective employees to make sure that they are telling the truth on their resume.
It is estimated that up to 40 per cent of resumes contain false or tweaked information. So, often employers run background che... Read >
Author: groshan fabiola09th March 2007
Background checking is conducted for the purpose of verifying whether an applicant is submitting reliable information. It is because some had maybe committed a previous offense and it would probably be the cause for their immediate disqualification in the... Read >
Author: chris east25th January 2007
With the infinite amounts of information being passed on the internet today, credit card frauds are happening in the information superhighway at an alarming rate. Though a lot of financial information attained for the use of credit card fraud are from th... Read >
Author: Richmond Mendoza20th January 2007
With the infinite amounts of information being passed on the Internet today, credit card frauds are happening in the information superhighway at an alarming rate. Though a lot of financial information attained for the use of credit card fraud are from the... Read >
Author: Richard S. Clark15th December 2006
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.
They all make the same claims:
* Credit problem... Read >
Author: Michael Saunders04th October 2006
If not a common practice, landlords should make it so, to approve prospective tenants only after checking and verifying their credit report and references. Tenant screening alerts one to potential problems before signing of the lease, greatly reducing the... Read >
Author: E Renter28th July 2006
Most consumer reports are important in advising consumers to do three things when considering purchasing a product.
a) research, research and more research
b) comparison shopping
c) how will this product fit into my lifestyle
More and more people... Read >
Author: Manuel Zarate23rd June 2006
Equifax credit report agency is one of the three FCRA Company found in 1899. The Equifax credit report is provided by Equifax agency. Equifax has evolved into a leader in enabling and securing global commerce, brining buyers and seller together from all o... Read >
Author: Anna Josephs22nd June 2006
Free Trans union is one of the FCRA. Which has a legal authority to provide you free credit report? But the important of the information is how it's interrupted. So to get the maximum benefits from your credit report, it helps to see the report data like ... Read >
Author: Anna Josephs22nd June 2006
Being an employer, you may want to use consumer credit reports while hiring new employees and also while assessing them for promotion, reassignment, and retention, but only if you abide by the Fair Credit Reporting Act (FCRA). Sections 604, 606, and 615 o... Read >
Author: tima ashar01st April 2006
Some financial advisors suggest that you periodically review your credit report for inaccuracies or omissions. This could be especially important if you're considering making a major purchase, such as buying a home. Checking in advance on the accuracy of ... Read >
Author: Manuel Zarate19th January 2006
If you are concerned about the credit card interest rates you are being offered, or any other terms or conditions that you feel are unfair or less favourable than those to which you are entitled to, you may wish to familiarise yourself with the Fair Credi... Read >
Author: Peter Kenny19th December 2005
In a 2004 amendment to The Fair Credit Reporting Act (FCRA), a new system providing free credit reports was initiated. The amendment requires each of the three national Credit Reporting Agencies (CRAs), Equifax, TransUnion, and Experian, to provide free c... Read >
Author: Nora Hansell
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