August 2009

How Consumer Credit Counseling Services Can Help You

August 28, 2009

Consumer Credit Counseling Services (CCCS), now called Apprisen Financial Advocates, is a nonprofit group that offers to help people solve their individual credit problems. Neighborhood branches of CCCS exist in most areas of the United States. You can contact CCCS in person, over the phone or on the Internet (www.apprisen.com). Your initial consultation is free, [...]

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Fair Credit Reporting Act

August 24, 2009

The Fair Credit Reporting Act is a Federal law that was enacted back in the 1970′s to guard consumers. Up to 79% of all credit reports include mistaken, misleading or erroneous credit. As a consumer you can protect yourself against this bad credit and take steps to repair your credit. It is not automatically a [...]

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The Credit Background Check

August 21, 2009

People these days come from families with paying jobs. Oftentimes, these families must delay purchasing some products because of financial scarcity. This is when the numerous financial institutions similar to banks provided the credit cards for those that consider they may need this. But, once applying for a credit card for these urgent situation needs, [...]

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Your In Debt – Financial Help Website Has Financial Help Tips To Help You Get Out Of Debt

August 11, 2009

Financially, are you able to recognize and understand the financial dangers around you? Some of those signs may look like constantly being a paycheck away from poor, having zero consistent monthly savings plan, or carrying a serious amount of debt. The main reason most people accrue debt is because they simply have more month than [...]

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Please! Avoid These 5 Common Repair Credit Scams!

August 9, 2009

The Internet, Radio and TV, newspapers and magazines are running advertisements these days for credit repair services and many are scams. These scams often promise to magically erase your bad credit overnight. In reality, many of these so-called ‘experts’ will either overcharge you, involve you in illegal activity, or actually put you in a worse [...]

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How To Survive Your Credit Meltdown!

August 9, 2009

Unexpected problems can happen to the best of us – bankruptcy, divorce, legal judgments, unemployment, illness, etc. Any of these are very personal and can affect your FICO credit score in a big way. If you have faced a financial meltdown, you need to take action fast and work diligently if you want to fix [...]

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How To Spot Free Credit Report Scams!

August 8, 2009

Go on-line and search for “free credit report” and you find find tons of sites and advertisements promising free access to your credit report and FICO credit score. It’s overwhelming unless you know how to sort out the really free reports from the sales pitches. Start here… By federal law, you likely qualify for one [...]

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Credit Fix: Fix Your Credit Report – Fix Your Score!

August 7, 2009

If you could improve your credit score would you? Of course you would… Well the first thing you will need is all three of your credit reports. Yes, all three! You are going to have to get your reports from all three major credit bureaus. They are Experian, TransUnion, and Equifax. Forget about the free [...]

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How To Fix One Credit Report That Will Fix Them All!

August 6, 2009

There are many urban myths and just bad advice that you should ignore when trying to fix your credit score. There are way too many so-called ‘experts’ offering unproven advice these days. Read on for what really works if you want to raise your FICO credit score to 750 or more! It’s a common misunderstanding [...]

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3 Major Credit Bureaus

August 1, 2009

A lot of people think there is just one credit bureau, However there is three credit bureaus. They are Equifax, Transunion and Experian and I have listed all of their contact information below. Equifax Credit Information Services, Inc Address: P.O. Box 740241 Atlanta, GA 30374 Telephone: 1_888_766_0008 Online: www.equifax.com TransUnion LLC Consumer Disclosure Center Address: [...]

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