Users are individuals, businesses, agencies, or institutions that request consumer credit files from credit reporting agencies to determine creditworthiness, among other things. Under the FCRA, they can utilize credit report information to determine creditworthiness or in consideration of employment and certain types of insurance. (Life insurance underwriting policies can consider credit history, whereas medical insurance […]

The Credit Card Reform Act of 2008 was passed on December 18th, but it isn’t expected to take effect until includes the following provisions: Interest Rates Credit card issuers will be prohibited from raising the interest rate on existing balances. They will also be prohibited from raising their interest rate under the premise of “universal […]

Debt consolidation is on everyone’s mind today in this horrific economy. To determine what your next step is, start by obtaining your credit report. There are three companies that provide all of your debt details. Those three companies and their addresses are listed below. Experian P.O. Box 2104 Allen, TX 75013 Trans Union Consumer Solutions […]

Money can often be hard to come by and when you count up the cost of everyday living, it is not surprising that many of us turn to the use of credit cards. While there are many different types of cards available, people are often enticed by cash back credit card offer schemes. This means […]

Instant credit card applications are one of the many advantages of the Internet in our daily life. These are forms or applications that you will be asked to fill out online to get instant access to credit cards. Most card companies offer online services. These companies make these offers to satisfy the needs of their […]

A few short years ago, nearly everyone had a job. Money was bountiful, and if you couldn’t afford something, there was always a bank or credit card provider ready to help you out. With finance so easily available, saving your dollars was the last thing on anyone’s mind. How times have changed! With record levels […]

When a customer makes a dispute about a previous credit card transaction they are protected in three different ways. One is the protection of unauthorized use, the second thing is that it deals with the bill error procedures and it also gives you the right to hold on to the payment. When you file a […]

With the many different credit cards being offered, you need to know which ones you can get the best deals out of. Just because you spend, doesn’t mean you can’t spend wisely with using the best cards. Certainly getting a hold of the best cash back credit card that offers the best deals is an […]

In the case of you filing your bankruptcy the presiding judge will discharge all the accounts and debt’s also including the bankruptcy claim. Whenever this is done it increases the customer debt to income ratio, and after this the particular account should not show any incorrect figures after the discharge take place. Ultimately, this improves […]