A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer credit reporting companies to provide consumers with a free copy of their credit report, upon request, once every 12 months.Access to the free credit reports has been phased in beginning last December in... Read More
The first time I heard the term credit history was when I approached a lender for a secured loan. Being a first timer I was completely ignorant of the procedure and didn't even know that a credit record of our transactions is prepared by some credit reference agencies.Thanks to the... Read More
When you apply for credit one of the first things almost all credit officers do is check your credit score. Although not all of those officers explained to us what a credit score is, we are all rated according to it and the offers we receive were all dependent on... Read More
Chances are you've gotten your share of offers like this in the mail Bad Credit Credit Card, Bad Credit Visa Cards and Credit Cards for People With Bad Credit. Re-establish your credit with a bad credit credit card, credit cards for people with bad credit or pre-approved Visa cards regardless... Read More
Credit Worthiness is an important business and personal asset each person has to manage. I mean this is an asset which could make or break business relationships and interestingly in some cases personal relationships. This is a complex abstract thing that is evaluated in many ways by different entities. What... Read More
Credit scores: all lenders use credit scores to determine interest rates and credit limits.The credit scoring system was developed in the early 1950's. However, it was not widely utilized until the early 1980's, when it was overhauled by Fair, Isaac & Company. At that time the 3 major credit reporting... Read More
WHAT IS HIRE PURCHASE/CONDITIONAL SALE?Although people often talk about "buying on HP", Hire Purchase Agreements are quite unusual these days. Cars are the most usual goods sold under Hire Purchase or Conditional Sale Agreements. With Hire Purchase and Conditional Sale Agreements, you do not own the goods until you have... Read More
This article is about bailiffs who may call trying to collect Council Tax or Community Charge (Poll Tax) arrears. If a bailiff has contacted you to collect another sort of debt the law might be different.Council Tax and Poll Tax are usually collected by private firms of bailiffs on behalf... Read More
If you begin foaming at the mouth once a month when you receive your credit card statement, join the millions of Americans that are foaming along with you. There is a growing outrage at the seemingly endless journey towards eliminating the balance on your credit card and that is due... Read More
HarassmentHarassment of people in debt by creditors or their agents is a criminal offence under the Administration of Justice Act 1970. It is often difficult to know what to do when you feel a creditor is not dealing with your account fairly. In order for you to identify what activities... Read More
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Websites, and more... Congratulations college freshman! You're about to embark on one of... Read More Credit scores: all lenders use credit scores to determine interest... Read More One of the great mysteries of life is how the... Read More If you have a bad credit rating, then you might... Read More There will come a day when you need credit. You... Read More Sue is a homeowner and pays her mortgage and other... Read More Most of us want a good credit report to obtain... Read More Lenders are quite fussy about what they like to see... Read More When applying for a loan to purchase a car, the... Read More Secured and unsecured debt - what's the difference?It's easy to... Read More Getting your first credit card is a big deal and... Read More As of Thursday, December 1, 2004, one-third of Americans will... Read More Chances are you've gotten your share of offers like this... Read More Credit cards are a form of unsecured credit. The issuer... Read More There is no end to the amount of pain that... Read More With today's credit card companies, there are many opportunities to... Read More Individual banks elect to become members of ChexSystems, and to... Read More Credit Cards are essential for any consumer today. However, when... Read More Have you ever wondered why your credit card bill is... Read More You might not know it, but every time you take... Read More The average American knows very little about bankruptcy. Most people... Read More How to Repair a Bad Credit Rating?The Right Way!If you... Read More Today, credit is an indispensable part of our lives. In... Read More Under the Fair Debt Collection Practices Act, collectors are not... Read More If you've ever applied for a credit card or loan,... Read More
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