Fair Credit Reporting Act

Final Regulations For “Risk-Based Pricing Notices”

January 14, 2010

The FACT or the Fair and Accurate Credit Transactions Act was passed by the United States Congress on November 22, 2003 and signed into law by President George W. Bush on December 4, 2003. FACT is actually an amendment to the Fair Credit Reporting Act, or FCRA, and it is actually the provision that allows [...]

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The Truth About Free Credit Reports

November 23, 2009

While a funny jingle may play out in your head and help you to remember that you can get a credit report for free, you may want to think twice about getting that report from the people in the commercial for freecreditreport.com Because (big surprise!!) it’s not free!! Nope. Not free! Over 11,000 people have [...]

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Inaccuracies On Credit Reports

November 21, 2009

It is estimated that as high as 75% of all credit reports contain errors, mistakes and inaccuracies.  The FCRA is the Fair Credit Reporting Act and it was enacted back in 1979 to allow consumers the opportunity to dispute problems on their credit report and to promote the fairness, accuracy and privacy of personal information on credit reports.  [...]

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Three Crucial Laws To Be Aware Of When Doing Credit Repair

November 21, 2009

The basis of most credit repair is the Fair Credit Reporting Act or the FCRA.  This law was enacted back in 1970 to protect consumers from inaccuracies and inconsistencies on credit reports.  This law enables consumers to dispute untruthful or inaccurate listings on their credit report.  It also permits a consumer to receive one free [...]

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Professional Or Do-It-Yourself Credit Repair

November 21, 2009

Credit repair can be a time-consuming and frustrating process.  Even if the problematic listings on your credit are completely incorrect and you know that you should be able to dispute the items and get them removed it can still be a daunting process.  You can issue the disputes and wait for the answers on your [...]

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Get Good Results From Your Credit Repair

September 14, 2009

The FCRA or the Fair Credit Reporting Act gives persons the right to dispute and confront inaccurate or false information on a credit report. Even with this right many folks still feel fairly scared by the credit repair process. If credit repair is done right it can make some major improvements on your credit report [...]

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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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