Buying an RV, or recreational vehicles, can cause a great amount of stress. Since they are generally more costly than the everyday vehicles, one must take great caution to make sure they are not falling to any schemes the dealer might throw at them. If you didn’t know, California auto fraud laws apply to recreational vehicles, or RVs, as well. This means that if the dealer has lied about financing, misled you about the manufacturer’s suggested retail price (MSRP), or sell you a “lemon RV,” … [Read more...] about Be Wary of These Auto Frauds When Buying an RV
Fair Credit Reporting Act
How To Prove Identity Theft and Protect Your Credit
Anyone who’s been a victim of identity theft should know how to prove identity theft so they can stop it and prevent the thief’s actions from harming their credit. When your identity is stolen, it is important that you are able to prove it. Otherwise, people can spend recklessly and just say that it wasn’t them. There are two tools consumers have for proving identity theft: Identity Theft Affidavit Identity Theft Report The Affidavit and Report provide consumers with different … [Read more...] about How To Prove Identity Theft and Protect Your Credit
Fair Credit Reporting Act – Understanding Your Rights
Consumers have many rights about their credit report under the Fair Credit Reporting Act (FCRA). The agency or anyone else who reports information in your credit report must abide by the rules listed in the FCRA. This is to ensure that no consumers are treated dishonestly with their credit information. Here are some of the rights consumers have under the FCRA. You Must Be Notified When Your Credit Information Has Been Used Against You Whenever someone pulls your consumer report to deny your … [Read more...] about Fair Credit Reporting Act – Understanding Your Rights
What Are Some of the Warning Signs of Debt?
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?
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