Documents tagged 'Credit Report'
Published: 28/02/2008
Consumers looking to buy homes should know that they have certain rights under the law. The more commonly known laws are The Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and the Fair Credit Reporting Act (FCRA). These federal laws prohibit discrimination and provide consumers with...
Published: 25/02/2008
It Doesn't Matter What You Buy!
A home, a car, insurance, furniture, appliances, or any other purchase. Your FICO (credit) score will determine your qualifications and interest rate.
This can translate into a lot of money over the years. Just a 1% increase in your interest rate (from 6%...
Published: 25/02/2008
Most people understand that the mortgages that they may qualify for are directly related to their credit scores. Common sense dictates that the better your credit scores are the more mortgages you would qualify for, and for better interest rates, as well.
But let's face it, the number of...
Published: 03/02/2008
More and more people are becoming victims of identity theft every day because they do not have the knowledge of what it is and how it happens. People who have been the victims of identity theft can have their credit ruined and in the long run have problems purchasing a home or care or getting any...
Published: 31/01/2008
What is a Debt Consolidation Loan? A debt consolidation loan is basically a loan taken to pay off other debts. This allows you to have only one payment each month, and typically saves you a lot of money on interest. There are many types of debt consolidation loans, but the most popular are...
Published: 30/01/2008
Many of you might be wondering what a credit report is. Be aware that your credit report is not that three digit number they call a credit score. A credit report is simply a report that shows where you live and how you pay your bills.
When you apply for a loan or a credit card, you lender will...
Published: 30/01/2008
As identity theft becomes an ever-increasing crime, scammers find newer ways to steal your identity. More than ever before, it's important that you protect yourself.
Here are some of the most prevalent scams today, and what you can do about them.
Internet check cashing:
These scams...
Published: 29/01/2008
The world is no longer a safe place when it comes to protecting your identity. Today, even children are not spared in terms of identity theft. In fact, children have become as vulnerable as adults. Most of the time, the crime is done by someone who is close to the family of the child such as a...
Published: 29/01/2008
If you have had some problems paying your bills on time or for some reason you have not been able to pay at all you have no doubt got some bad marks on your credit report. The first thing you need to do is try to pay off some the debt you owe, to get started you need to get a copy of your credit...
Published: 29/01/2008
The first step is to get a copy of your credit report, you are entitled to one free credit report per year. When you have bad credit, it can keep you from realizing your dreams. It's much more difficult to purchase a house, obtain a student loan, or buy a car.
When you can get do credit from...
