Signs your identity has been stolen
We spend more time online than ever before. From Amazon to Netflix, Facebook and More. More and more of our lives are moving online, which means the chances of having your identity stolen increases. With all of the information out there, how do you even know if your ID has been compromised in the first […]
Resolving Billing Errors With the Fair Credit Billing Act
As consumers, we use our credit cards for everyday purchases, like eating out, online shopping, pumping gas, and everything else you can think of. When errors occur, they may not be so noticeable. Due to the amount of transactions we make and the number of credit card accounts we own, we may never even catch […]
Statute of Limitations On Debt Collection
Statute of Limitations On Debt Collection. Negative accounts have a limited lifespan. The amount of time negative reporting stays on your account is called the “Statute of Limitations.” As the Consumer Financial Protection Bureau explains on its site: “a statute of limitations is the limited period of time creditors or debt collectors have to file […]
What Happens To Your Credit When You Get Divorced?
What Happens To Your Credit When You Get Divorced? When couples file for divorce, credit, debit and shared accounts need special attention for the benefit of both parties. When spouses divorce, they not only have to figure out the finer details of living their lives separately, but they will also have to figure out their […]
Dispute Letters / Info
Sample Credit Dispute Letter Sample Letter Form #1 Date Your Name Current Address City, State, Zip Code Complaint Department Credit Bureau Credit Information Services Credit Bureau Address City, State, Zip Code Dear Sir, I am writing to dispute the following information in my credit file. The items I am disputing have been circled on my […]
The Fair Credit Reporting Act
Download the PDF here. THE FAIR CREDIT REPORTING ACT – July 30, 2004 As a public service, the staff of the Federal Trade Commission (FTC) has prepared the following complete text of the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the […]
Experian: What You Need to Know
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5 Steps to Reduce Your Debt: Do-it-Yourself Debt Reduction
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Tips for Improving Your Credit: Your Payment History
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