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23rd September 2009
increasingly common these days. The reasons for this include the fact that negligent hiring lawsuits that result from the actions of an errant employee can damage a company’s credibility and lead to hefty fines; companies have become more selective in t... Read >
Author: wbdoyle22nd September 2009
TransUnion LLC is an example of a consumer credit reporting agency that is also recognized as a credit bureau. It is considered as one among the three major credit agencies in the United States that is also composed of the other two companies namely Equif... Read >
Author: bocksoli812317th September 2009
The collection agency industry is a billion dollar industry. According to R.K. Hammer Investment Bankers, income from late fees and over-the-limit fees accounted for $14.8 billion dollars in the year 2004. A collection account is defined as a delinquent a... Read >
Author: narayan16th September 2009
Bad credit can affect your ability to get more credit. Did you know it also can affect your ability to get or keep a job? Employers often use a credit report when they hire and evaluate employees for promotion, reassignment, or retention.
The military ... Read >
Author: wbdoyle16th September 2009
There are a number of laws on the books to protect people who have bad credit ratings. These laws are important, and you should know about them in order to protect yourself from unfair practices performed by collection agencies. The federal Fair Credit Re... Read >
Author: wbdoyle15th September 2009
The national consumer companies Equifax, Experian, and Trans Union requires The Fair Credit Reporting Act (FCRA)– to provide you with a free copy of your credit report, at your request, once every 12 months. To keep all the information of consumer in fi... Read >
Author: wbdoyle10th September 2009
If you were to tell someone that they can have a certain item for free, more than likely their response would be, “what’s the catch?” In the case of credit reports there is no catch, you can now get a free copy of this report through the three credi... Read >
Author: wbdoyle09th August 2009
You have a judgment on your Credit History Report that is showing inaccurate information. Maybe the balance is wrong or has not been updated so it hurts your credit score even more. Can that information be corrected? With patience and diligence you can g... Read >
Author: Mel Jensen30th June 2009
Many people often find out too late that they have a bad credit report. They have applied for a loan, tried to get a job or even were trying to buy insurance. Once you have find out you have bad credit, what are your options? Are there any legal options?
... Read >
Author: Mel Jensen23rd June 2009
Foreclosure or the termination of the one�s equitable right to redemption of a pledged property is recorded in your credit report for a maximum of seven years. This can be devastating to your credit score and should be avoided at all costs. If, unfortun... Read >
Author: Cecilia Rodriguez22nd June 2009
It's always a good idea to maintain a good credit standing. A good credit score opens the doors for banks and lending companies approving your loan applications more readily, and they may even agree to give you lower interest rates. You can keep track of ... Read >
Author: Cecilia Rodriguez06th June 2009
Introduction
Effective credit repair requires a combination of technical and legal skill along with a healthy dose of common sense. The technical approach requires an understanding of the inner workings of the FICO credit scoring model. The legal appro... Read >
Author: Ian Webber03rd June 2009
First Steps of Credit Repair
Having bad credit can make life . When you have a bad credit rating is not a lot of things that other people enjoy and often does not seem possible to move forward. You can expect if you have the time or you can take step... Read >
Author: Robert Bay30th April 2009
Mortgage lenders often have a difficult time following the requirements of the federal law known as the Fair Credit Reporting Act, which may create liability for them when attempting to bring a foreclosure lawsuit or pursue a nonjudicial foreclosure. The ... Read >
Author: Nick Adama09th April 2009
It was back in September of 2005 that the Fair Credit Reporting Act (FCRA) had made it a requirement that the three major credit bureaus provide all consumers a free copy of their credit report on a yearly basis. Since that time the Internet has been plag... Read >
Author: Scott P. McKay09th March 2009
Can you really repair your credit? What can you do to increase your credit score? How do you check your credit report and correct any mistakes? To learn all about protecting and improving your credit, read our new report.
Your Credit: How to Protect, Im... Read >
Author: Lisa Zapalac02nd March 2009
Knowing Your Rights against Inappropriate Background Checks
So, you are heading for the final interview to the job you have applied for. But, are you approve of the pre-employment background checks and investigation needed that are part of the evaluatio... Read >
Author: Fajela Baranda20th February 2009
Can you really remove collection accounts from your credit report? The answer is absolutely...Yes. Most people are not aware that they can remove negative items from their credit history file.
Most negative collection entries appear on your credit repo... Read >
Author: Henry Gold31st December 2008
Knowing your credit rights as a credit card holder will be your guide and protection against unlawful practices that may be committed by creditors and debt collectors. The Fair Credit Reporting Act (FCRA) has made distinct stipulations with regards to pr... Read >
Author: Allisson May27th November 2008
Performing background checks on applicant’s seeking employment is common practice today for 80% of large corporations. Smaller sized firms are also beginning to understand how critical it is to know who you are hiring.
Tom Lawson, background check p... Read >
Author: Cathy Taylor27th October 2008
A company owes its success and failure to its human resources. People are the ones with the brain and natural force, the machines are just outlets. Almost all companies nowadays assign someone to make background investigations of applicants. This is becau... Read >
Author: James Kurt23rd October 2008
Credit repair may deserve its bad reputation, but the myopic FTC campaign against credit repair may be doing more harm than good. A credit repair expert discusses the FTC, the law, and the need for profession credit repair services.
Credit repair has i... Read >
Author: Ian Webber16th October 2008
The three main credit reporting companies in the country are required under law to provide one free credit report (each) to anyone who requests them within any given year. The three large credit reporting companies are Equifax, Experian and TransUnion, an... Read >
Author: fagankl13th October 2008
As a private investigator you'll be asked to perform criminal records checks in the course of business. It may be for a pre employment screen, tenant screen, due diligence or a personal matter such as a custody or divorce case.
It's important for you t... Read >
Author: Ed Opperman 23rd September 2008
Congress created the Fair Credit Reporting Act (FCRA) to ensure that all consumers have credit reports that are private, accurate and fair. In fact, the act specifically calls for the reports to contain information that is complete and correct. This is im... Read >
Author: Karen Bellas09th July 2008
The misuse of easily and unaccountably obtained personal information can cause severe damages to the concerned person whose information has been collected. To prevent such circumstances, American Federal Law created the Fair Credit Reporting Act (FCRA) wh... Read >
Author: Rakesh Jha03rd June 2008
Take Control!
Don’t imagine that other people always play fair. Look out for yourself. Knowing your legal rights can make all the difference in the world. A nationally recognized credit repair expert explains some essential rights and remedies that c... Read >
Author: Jim Kemish07th May 2008
To get collections removed from a credit report there is a process to follow. There is also a big misconception out there that you can get collections removed that you owe. Yes you can get collections removed but there is seasoning requirement in order to... Read >
Author: Mike Clover09th April 2008
All of us have certain things we don't want others to see. For me, it's my eighth grade yearbook picture...the video of my karaoke debut...all the junk under my bed...and the personal information in my credit report.
While we can keep most of our priva... Read >
Author: TrueCredit07th April 2008
Many times when you choose to fill out an application on the internet, online credit card approval can be done instantly. You are asked to give the same information as you would on a paper application that comes in your postal mail box. But rather than ... Read >
Author: C.R. Hayes07th April 2008
Employee background check is relatively common in all organizations. Now the question may arise, why does an employee want to check background? The purpose of pre-employment background check is quite obvious. It has been established that this practice is ... Read >
Author: soniya02nd February 2008
Credit repair agencies often say they can remove bad credit from your credit report, legally. This isn't true. No one can. Simply don't believe them. Do your own research.
The law entitles you to be able to ask for an investigation of information in yo... Read >
Author: Ash Bowkett21st January 2008
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies –
Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your
request, once every 12 months. The FCRA prom... Read >
Author: Gregory Graham20th January 2008
Credit repair is possible because the Fair Credit Reporting Act (FCRA) allows the consumer to challenge the information on his or her credit report on the basis of "completeness and accuracy."
When a dispute is filed with the credit bureaus, they must ... Read >
Author: Gregory Graham14th November 2007
What is credit scoring? Credit scoring is a system creditors use to help determine whether to give you credit. It also may be used to help decide the terms you are offered or the rate you will pay for the loan. Information about you and your credit experi... Read >
Author: Mike Clover07th November 2007
What is credit scoring? Credit scoring is a system creditors use to help determine whether to give you credit. It also may be used to help decide the terms you are offered or the rate you will pay for the loan. Information about you and your credit experi... Read >
Author: Sara Valencourt16th August 2007
It is absolutely essential for anyone attempting credit repair to know the statues of limitation for reporting of derogatory information as it applies to the credit bureaus. Credit repair expert Jim Kemish offers some insight on specific statute of limita... Read >
Author: Jim Kemish08th August 2007
An Unpleasant Possibility
Are there entries on your credit report that do not belong to you? These may be the result of a file merger error on the part of the credit bureaus. Or they may be the result of a more nefarious case of identity theft. The Fai... Read >
Author: Jim Kemish26th July 2007
Copyright � 2007 Ed Bagley
If any of these three agencies (Equifax, Experian and TransUnion) could "legally" lie, cheat and steal they would do it every day of the week and twice on Sunday.
All three agencies were forced to give out a free credit ... Read >
Author: Ed Bagley14th March 2007
In some agencies, organizations and some occupations, background checking is a necessity. Potential employees are compelled to undergo this form of investigation for the reason of verifying whether they are issuing truthful personal information. But is it... Read >
Author: chris east28th June 2006
The Fair Credit Reporting Act (FCRA) and the recent update to this law called the Fair and Accurate Credit Transactions Act (FACTA) protect consumers against inaccurate information being reported by credit bureaus and the privacy of that information. What... Read >
Author: Cathy Taylor16th June 2006
The national consumer companies Equifax, Experian, and Trans Union requires The Fair Credit Reporting Act (FCRA) to provide you with a free copy of your credit report, at your request, once every 12 months. To keep all the information of consumer in file... Read >
Author: Anna Josephs12th May 2006
Employment background checks are becoming increasingly common these days. The reasons for this include the fact that negligent hiring lawsuits that result from the actions of an errant employee can damage a company's credibility and lead to hefty fines; c... Read >
Author: Stanley Alpin26th March 2006
Copyright 2006 Edward Vegliante
Credit repair advertisements claim to guarantee a quick fix on your credit report. They promise for a fee (not always disclosed at first) to clean up your credit history so that you can qualify for a new home, car, insur... Read >
19th August 2005
Warning: Free Credit Report Imposter Websites Springing Up on the Web Copyright 2005 George Dodge
A recent amendment to the federal Fair Credit Reporting Act
(FCRA) requires each of the nationwide consumer credit reporting companies to provide consume... Read >
Author: George Dodge
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