Dispute Bad Credit

States Debt Collection Statute Of Limitations

October 17, 2009

Alabama Statutes – §6-2-37 Contracts under seal: 10 years, (A.C. 6-2-33) Contracts not under seal; actions on account stated and for detention of personal property or conversion: 6 years (A.C. 6-2-34) Sale of goods under the UCC: 4 years (A.C. 7 -2- 725) Open accounts: 3 years (A.C. 6-2-37) Actions to recover charges by a [...]

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The FCBA And FDCPA

October 17, 2009

The FCBA or the Fair Credit Billing Act requires creditors to bill entirely and properly. It prohibits charges that have the erroneous date or wrong amount, not permitted charges, charges for goods or services that you did not acknowledge or were not delivered as contracted upon. It prohibits a company from failing to post payments [...]

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Debt Validation

October 17, 2009

Did you know that under the FDCPA or the Fair Debt Collections Practices Act you have the right to “debt validation”? What does that mean you ask? What this means is that you demand proof from the collection agency and the original creditor that the debt is really your responsibility and that the balances, terms [...]

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Opt Out Of Credit Card Offers

October 17, 2009

Credit bureaus can and do sell your information to creditors, insurance companies and more. These companies will send you prescreened and pre-approved offers for credit cards and insurance. These offers may not be offered to the general public and they may be helpful for you to comparison shop. However, they also allow your address and [...]

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The Fair Credit Reporting Act – FCRA

October 7, 2009

You have rights thanks to the fair credit reporting act. You can download the FCRA pdf here. In 1970 a Federal law was enacted by Congress to defend consumers from inaccuracies on their credit reports. This law is called the Fair Credit Reporting Act or the FCRA and it was planned to promote the equality, [...]

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Easy Steps For Simple Credit Repair

September 16, 2009

Here are a few easy steps to improve your bad credit! Most people need to have a good credit rating. Good credit is essential to get loans on vital items like cars and houses. Good credit can also help you to get more favorable interest rates. Good credit is a advantage in any fiscal climate. Luckily [...]

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Bad Credit Is Coming! – Signs That You Are Approaching Bad Credit

September 4, 2009

Many people in the United States today have bad credit, and the numbers have continued to rise. It isn’t just those who are lazy who end up with bad credit. Many hard working people who are well meaning end up in situations where their credit is ruined. The best way to avoid this is to [...]

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Bad Credit? Can’t Get A Credit Card? Yes You Can!

September 4, 2009

Most people don’t give much thought to the importance of credit until they need it. When they go to apply for a credit card they discover that their bad credit keeps them from getting a card, or a card at a decent rate. Most people want to pay their bills, and remain in good credit [...]

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Bad Credit And Home Refinance – How To Save Money.

September 4, 2009

To determine how bad credit impacts your refinancing options, consider whether your credit was better, worse, or about the same when you originally financed your home. If your credit was better and helped you qualify for a low rate, refinancing when your credit is worse makes little sense. If your credit is better now, but [...]

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Bad Credit? You May Still Qualify For A Credit Card!

September 4, 2009

Let’s face it: in order to buy or sell so many things in today’s society you simply must have a credit card available in order to complete many transactions. Sure, you could pay cash for many things, but how convenient [or safe] is it to carry around a wad of bills? If you lose the [...]

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