There are millions of Americans who report having credit report errors on their credit report every year. It is wise to check your credit report periodically to make sure that there is no inaccurate or incomplete information on it. When you see an error on your credit report, you have the right under the Fair Credit Protection Act (FCRA) to dispute your credit report. The credit report companies then must investigate your claims and fix the errors mentioned in your letter. If you do spot … [Read more...] about Credit Report Errors That Will Ruin Your Credit Score
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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