David Makarski
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Tips On How To Get A Free Credit Report Online
Since 2005 every US citizen is entitled to get a free copy of their credit report from each of the three major credit bureaus, TransUnion, Experian, and Equifax. Detailed information on them can be obtained from the World Wide Web. nnMany people are now using the internet to obtain their credit reports. It is an easy way to do so and takes little time or effort. However, there exist chances of getting scammed. So, as a knowledgeable consumer it is important to know how to get
October 18, 2007
Article
Do You Know What The Fair Credit Reporting Act Says
FCRA or The Fair Credit Reporting Act is designed by the Federal Trade Commission to promote accuracy and ensure privacy of the information used in consumer reports. This is designed to protect the citizen and several commonly asked questions are answered at http://www.pueblo.gsa.gov/cic_text/money/fair-credit/fair-crd.pdf and in several other websites. nnThe FCRA Act was passes by the US Congress in 1971. The act and its details can be found at the Federal Trade Commission w
October 16, 2007
Article
Do You Know How Credit Scores Affects You?
As the world got more systematic and organized in various aspects of life, a system known as credit scoring and rating was introduced into the financial sector and this gained popularity in the 1980s. Credit scoring evaluated a personâs lifestyle, earnings, and expenditure and estimated quite accurately how much of a financial risk the person was. This helped banks and other lenders of money to determine whether or not a person was worthy of a loan and what their chances we
October 15, 2007
Article
Tips To Start Building A High Credit Score From The Beginning
The foundations of building a debt free society is in the generation next. In order to lower bankruptcy filings and help citizens manage money sensibly society needs to inculcate financial discipline from a young age.nnâCatch them young,â advices a financial guru, âthey are never to young to learn money management and the magic of savings.â In fact many parents are already teaching 7 and 8 year olds how not to fritter all their pocket money on candy and comics. nnStud
October 14, 2007
Article
6 Tips For Selecting A Credit Counselor
When in deep financial trouble or needing help in planning finances one could opt for seeking professional advice. There are many qualified credit counselors who will offer professional advice after studying a clientâs predicament thoroughly. nnAlthough there are many honest counselors one needs to be careful that you do not choose a dummy who lands you in deeper trouble than you already are. According to experts you must:nn1. Do your research well before hiring a credit co
October 9, 2007