Are you struggling financially? Maybe you are having difficulty making payments on your loans or credit card bills. Using credit can allow you buy a vehicle, home and send your kid to college, but it can also pose serious problems in your life. Even if you are making minimum monthly payments, you still could be at risk for problems. Here are some of the warning signs that you might have too much debt: At least one of your credit cards is near the limit Making just minimum monthly … [Read more...] about What Are Some of the Warning Signs of Debt?
FCRA
FCRA Attorneys – Fair Credit Reporting Act Attorney for Credit Report Errors
An FCRA attorney can dispute credit report errors for consumers by utilizing consumers' rights that are listed under the Fair Credit Reporting Act (FCRA). With so many consumers, there are tons of ways that an error can appear on a particular credit report. There can be a mixed credit file all the way to credit identity theft. More than 40 years ago, in October 1970, Congress passed the Fair Credit Reporting Act (FCRA). This law was established due to concerns about the growing misuse of … [Read more...] about FCRA Attorneys – Fair Credit Reporting Act Attorney for Credit Report Errors
The Fair Credit Reporting Act and How It Affects Your Credit Report
Having good credit can save you a lot of money. You may have an excellent credit score, but it could be undermined by having inaccurate information on your credit report. It would be unfair for anyone to have their credit score impacted by something that wasn't their fault. Luckily, there is a federal law called the Fair Credit Reporting Act that can help those in this type of situation. What is the Fair Credit Reporting Act? The Fair Credit Reporting Act (FCRA) is a federal law that … [Read more...] about The Fair Credit Reporting Act and How It Affects Your Credit Report
How to Make Credit Reporting Agencies Fix Your Credit Report Errors
Credit reporting agencies must investigate and fix any errors on your credit report when you send in a credit dispute letter. Failure to fix the mistakes within 30 days is a violation of the fair credit act, also known as the Fair Credit Reporting Act (FCRA), and you can file a lawsuit against them to get your credit report errors corrected. Knowing how to dispute credit report errors is crucial in fixing your credit score. Our credit dispute lawyers will make sure you write a strong … [Read more...] about How to Make Credit Reporting Agencies Fix Your Credit Report Errors
Reasons to Dispute Items On Credit Report
Consumers today have many reasons to dispute items on credit report. There are many things that can negatively affect consumers’ credit report, such as: Crooked people who like to prey upon consumers’ credit information. Wrong or bad information appearing on the consumer’s credit report. Businesses or creditors that pull your credit without consumer’s authorization. Whenever detrimental events like these occur, it increases the chance of your credit score being lowered and … [Read more...] about Reasons to Dispute Items On Credit Report
How to Identify Identity Theft
There are many ways that your identity can be stolen. Once the identity thief obtains your personal information, a lot of false information can appear on your credit report. Fortunately, many tools are available to consumers that will help them identify identity theft. Some of these tools are: Fraud alerts Credit freezes Below you will learn how to identify identity theft and what you can do if it ever happens to you. Should any inaccurate information show up on your credit … [Read more...] about How to Identify Identity Theft