Congress passed the Fair Credit Reporting Act several years ago in an attempt to smooth out some problems in the credit reporting industry. The best known provision of this Act is one that permits Americans to receive a free copy of their credit reports from each of the three main credit bureaus once per year. Read full article….

Credit Report Hassles

Tags: credit check, credit counseling, bad credit

As of Thursday, December 1, 2004, one-third of Americans will be able to access their credit reports from all three main agencies for free. Passed in late 2003, the Fair & Accurate Credit Transactions Act creates a central source consumers can use to obtain a free annual credit report. Read full article….

What is a Credit Report?

Tags: credit, credit counseling, credit card debt

A consumer credit report is a factual record of an individual’s credit payment history. It is provided for a purpose permitted by law: to help a credit grantor or lender quickly and objectively decide whether to grant you credit. Read full article….

Credit Repair Myths and Facts

Tags: credit, home equity credit, credit score

Are you one of the thousands pulling your hair out trying to figure out how you’re going to pay your credit card bills? Using your credit cards wisely and sensibly will help you avoid financial problems and establish a strong credit rating, so here’s some information to help you get your credit card problems under control.Credit cards are convenient for buying things now and paying later. Read full article….

How Can A Qualified Mortgage Consultant Help Boost Your Credit Scores?

Tags: credit card debt, bad credit, credit report

1) Do your homework. Applying for and getting approved for a credit card is nothing more than legwork. Read full article….

Choosing A New Credit Card

Tags: credit score, bad credit loan, credit counseling