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Home > Credit Help
 
Credit Repair: Self-Help May Be Best
A very good explanation of the credit repair industry by the FTC. The overriding theme of the report is that, "Only time, a conscious effort, and a personal debt repayment plan will improve your credit report."

Building a Better Credit Record
An excellent paper by the FTC based around the premise, "only time, a deliberate effort, and a plan to repay your bills will improve your credit record." Continues by discussing consumer reporting agencies (CRAs) and the Fair Credit Reporting Act (FCRA) which promotes the accuracy and ensures the privacy of information contained in credit reports. Major topics include: improving your credit report; accurate negative information; seven-year reporting period; dealing with debt; developing a budget; dealing with debt collectors; credit counseling; debt consolidation; bankruptcy; avoiding scams; credit repair scams; the Credit Repair Organization Act; and if you are a victim where you should complain.

Five Steps for Improving Your Credit Rating
Credit.Com offers consumers a five-step plan to improve their credit rating: (1) order your credit report at least twice a year; (2) examine the report carefully for errors; (3) clearly identify errors and dispute the disparities with the credit bureaus; (4) reduce your debt to manageable levels and close unnecessary accounts; and (5) add stability to your credit report and consider secured credit cards if your are rebuilding your credit.

Getting Credit: What You Need to Know About Your Credit.
Provides tips on shopping for credit cards, using cards carefully, and keeping your credit record clean. Also explains credit reports and credit scores, how to protect your identity, improve your credit record, and what to do if you are a victim of identity theft. A good source of information for people learning about credit.

Equal Credit Opportunity
The Equal Credit Opportunity Act prohibits the denial of credit because of your sex, race, marital status, religion, national origin, age, or because you receive public assistance.

Online Credit Report Free
Credit Score included. Easy process & Customer Service help provided.
 www.credit.com

 
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Disclaimer: This information has been compiled and provided by Credit.com as a service to the public. While our goal is to provide information that will help consumers to manage their credit and debt, this information should not be considered legal advice. Such advice must be specific to the various circumstances of each person's situation, and the general information provided on these pages should not be used as a substitute for the advice of competent legal counsel.