Consumer Reporting Agencies

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Improve Your Credit After the Holiday
There's nothing sadder than to face the credit card bills that come in the month of January. They're usually high and are something most of us would like to avoid. There's no doubt that you need to pay them off, but how?

What will you do to keep the finance charges affordable? Paying the monthly minimum isn't likely to help your credit situation at all. If you find yourself in debt larg... Read credit counseling article



Shady credit counseling services may do more harm than good
Mike Hoggan, who manages the Billings branch of the Consumer Credit Counseling Service of Montana, was tipped off when a Dex telephone book salesperson asked why his company had changed its telephone number.

The Billings office, which has counseled local debtors for nearly four decades, hadn't switched numbers. So Hoggan started nosing around.

It turns out a Florida company... Read credit counseling article



Consumer Reporting Agencies
Laws were made to help people bring justice to their lives, and it is the violation of these laws what makes a person go through harsh time. The Federal Trade Commission (FTC) designed the laws that assured people's right to obtain, maintain and use credit. But the laws do not promise everyone a credit. It only guarantees that everyone is equal in matters of credit issues.

The FTC is also responsible for correcting any credit mistakes that people could have made.

Due to the legal inspection of your credit rating by many companies, it is advised you maintain a good rating. Said rating is inspected every time you apply for: - Credit
- Employment
- Insurance
- Leases

Everybody depends on their credit histories, especially in cases of credit business. Companies, based on your credit payment history, will grant or reject applications. Therefore, it is people's responsibility to maintain a positive and accurate credit payment history by reviewing once in a while their report.

Usually credit problems occur due to:
- Temporary loss of income
- Sudden illnesses
- Computer errors

Solving possible mistakes of credit problems can take some time and lots of your patience. In order to fix your report yow will not need to pass any difficult tests. Your credit payment history is recorded in either a file or a report. These files are kept safe by CRAs (Consumer Reporting Agencies), such as a credit bureau. You certainly will have a credit file in any of these CRA agencies if you have ever applied for a credit, a charge account, a personal loan, an insurance (of any kind) or a job.

The credit record contains information about your income, the source of it, debts and your whole credit payment history. It also shows if you have ever been involved in any criminal activities, been sued, arrested or if you have filed for bankruptcy.

The law guarantees that people will get equal treatment, without considering issues like gender, race, marital status, religion, age or national origin.

The Fair Credit Reporting Act's (FCRA) main job it is to guarantee that all CRAs bring credible and correct information to any businesses that require it when evaluating someone's application.

You have a right that the Fair Credit Reporting Act states, which is to get a copy of your credit report whenever you request it. This copy of your credit report has to include all the information in your personal file at the time you request it. You also have the right to know the names of the companies or anyone who requested your credit report within the last year for any purposes or in the last two years for employment purposes.

If a company declines your application, it has the obligation of supplying the name and full address of the CRA they contacted, and the reason of denying the application. You have the right to receive a free copy of your credit report when someone rejects your application due to the content of the credit report itself or because of the information supplied by the CRA. You must make the request within 60 days after receiving the rejection notice.

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Credit - Repair

To make the life more comfortable people purchase lots of things from clothing to cars and homes that can be very expensive. Thus, when the financial situation of an individual does not correspond to the purchasing desires, he/she has to use credit. Banks make it quite easy to obtain credit. But the system of credits is complicated enough and most people today are not really taught how to manage their money. So, one day you may find yourself in a bad situation with your credit. You can start improving the credit score yourself: ordering your credit report, checking its accuracy, keeping any credit card balances low...and a few more things you can do. It goes without saying it will cost you much time, skills and effort.

There exists another saving way. There is a great number of organizations, agencies, bureaus that assist in guiding individuals through this complex process. When you seek help at such organizations remember that definite laws protect your interest.

There are two acts, the FCRA (Fair Credit Reporting Act) that has been recently revised into the Fair and Accurate Credit Transactions Act (FACT Act), and the FDCPA (Fair Debts Collections Practices Act). These two acts were set up to protect your credit rights. They hold your creditors and credit bureaus responsible. That means every claim against your credit they have to back up and prove.

No credit repair organization may charge or receive money or other valuable consideration for the performance of any service, which the credit repair organization has agreed to perform for any consumer before such service is fully performed.

Due to these acts everyone can get a copy of their credit report for free at your request, once every 12 months.

You also have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. You may notify in writing that you dispute the accuracy of the information in your credit file. In such a case the credit bureau must reinvestigate and modify or remove inaccurate or incomplete information (usually within 30 days). What else you can do is to cancel your contract with any repair organization for any reason within 3 business days from the date you've signed it.

Whenever you use credit you just always need to be cautious and disciplined. You also should be well informed - means what you can do for free, the payment terms for services (including their total cost), a detailed description of the services to be performed, how long it will take to achieve the results, any guarantees the organization offers, the company's name and business address.




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Mike Hoggan, who manages the Billings branch of the Consumer Credit Counseling Service of Montana, was tipped off when a Dex telephone book salesperson asked why his company had changed its telephone ... Read credit counseling article

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Consumer Reporting Agencies
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