Credit Center Topics

 Free Credit Reports

• Info about free credit reports
• Rights Under Law to a free credit report. Learn the facts about free credit reports.

 Credit Scores

• Confused about Consumer Credit Scores?
• Info about credit scores and how they are calculated and used.
• What are FICO credit scores
• How to improve your credit score
• Negotiate The Best Mortgage Rate.

 Identity Theft

• General facts on identity theft
• What is identity theft?
• How do you prevent id theft - easy to follow steps for prevention
• What if you are a victim of id theft
• Info about id theft on the internet be careful of websites collecting sensitive information.
• Resource center for id theft Helpful links and resources for consumers.
• Free Identity Theft Kit - Offers information, links, dispute form and affidavit.

 Divorce and Credit

• Joint and Individual Accounts and your credit history
• Helpful information to help you manage your credit during divorce

 Credit Counseling

• Information on credit counseling. An alternative to bankruptcy.

Credit for Students and Graduates

• Advice for College Grads with Little or No Credit
  

 Bankruptcy

• General information about bankruptcy Generally you would list all items from your credit report in your personal bankruptcy in addition to any other items you know exist that may not be on your credit report.
• There are two types of personal bankruptcy, learn more........

Combat Direct Mail, Telemarketing and Spam Email

• Now Available Online… Consumers can now notify the national credit bureaus online to remove their names from lists that the national credit bureaus sell to companies that mail you pre-approved offers of credit and insurance….Read more at opt-out prescreen online

• By following these easy steps, you can help to reduce the amount of direct mail, telemarketing and spam email. Click here to read article

 Credit Repair

• Consumer caution about credit repair companies. A must read for all consumers considering credit repair!
• How to dispute dispute inaccurate items in your report
• Free credit dispute form for investigating inaccurate information on your credit report

Debt Negotiation and Settlement

• Debt Reduction The Benefits of Making a Budget (Part I)
• The Benefits of Making a Budget (Part II)
• Getting Your Finances Under Control Learn what options you have for getting out of debt.

 Protecing Your Privacy

• Do Not Call information for removal of telemarketers lists
• Now Available Online… Consumers can now notify the national credit bureaus online to remove their names from mailing lists.... Read more at opt-out prescreen online
• Background Check Online… Now consumers have the ability to check their nationwide public records through a new product called a Public Information Profile (PIP).

 Credit Bureaus

• What are credit bureaus?
• Who are the three main credit bureaus?

 Press Releases from Credit Reporting

• An archive of helpful credit reporting press releases that all consumers should be aware of.

 Fair Credit Reporting Act (FCRA)

• Summary of FCRA for consumers
• Your Rights under the FCRA
• Frequently Asked Questions about the FCRA

Helpful Link Resources