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A Summary of the Fair Credit Reporting Act
This summary of the Fair Credit Reporting Act will explain what you can legally do if you want to repair your own credit report. No matter what you hear, you can dispute credit information on your credit report if you understand the legal rights you...
Learning More about Visa Credit Card
Today when everything is just a click away, owning a credit card
or two is nothing knew. Plastic cards have replaced paper money.
Why it's very convenient! You don't have to worry about running
out of cash every time you go shopping. Spending...
On Credit Card Instant Approval
Credit card applications nowadays have begun to provide clients
with an instant approval feature. Meaning, the person applying
for a credit card would easily know whether he or she is
eligible for applying. This process of instant approval...
Repair Credit by Observation
Repairing your credit takes observation on your part. We often get two types of bills in the mail. Bills that are past due and bills that are up to date. The fact is ignoring your bills is only delaying and it does not help repair your credit.
If...
Steps to Credit Repair
Credit repair is not always easy, but there are solutions
available to help us get out of debt. We all have bills and
sometimes those bills are outrageous. Paying bills is ongoing,
there is no escape so the best possible solution then is...
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Credit Card Debt
Do you have a hard time paying your credit card bills? Starting
to get notices from waiting creditors to pay? Worried that you
might lose your properties like your house because of credit
debt? Chin up: Dealing with credit card debt is not as hard as
you may think. If there's any consolation, you're not the only
one facing such situation. At some point, many people like you
face financial crises with credit card debt. But you must
remember that your financial situation doesn't mean it should go
straight to the dogs, making it worse than as it is.
Here are some tips to help you cope with your credit card debt:
Make a Budget. If you want to have a grab of your financial
situation before you lose everything, making a budget is what
you should do first. Assess how much do you get from your income
or other means and your expenditures. For example, if getting
that posh apartment means you have to limit your meals to once a
day, then it is not a great and sound budgeting decision. Your
goal is ensure that you can answer for all the basic
necessities: food, housing, clothes, health-related costs, among
others.
Contacting Your Creditors. Remember: Running away from your
creditors is not the answer. It is not a solution, and may in
fact lead you to bigger problems. If you are having trouble
paying off your debts, address this immediately with your
creditors. State to them sincerely and fully the reason why it
has become hard for you to pay these debts, and check if they
could give you a revised payment arrangement that will put you
at ease on your payment terms. Do
not let creditors turn over
your situation to someone or an agency to do the collecting for
them, as this means that they have given up on you.
How to address Debt Collectors. There is a law that gives
certain conditions for debt collectors as to when and how they
should ask you to pay. The federal law, Fair Debt Collection
Practices Act, clearly states that those collecting debts may
not bug you, give false assertions, or do practices that are not
fair when they are getting to collect money from you.
Credit Counseling. You could also consider getting the aid of
groups or institutions that will help you in your problems. If
you managed to have an improved payment arrangement of your debt
with a good credit counseling organization, creditors may
approve of your proposition and accept your modified arrangement
plan..
Bankruptcy. Generally, personal bankruptcy is known as the last
choice to fix your ballooning credit debt. A bankruptcy
unfortunately stays on your financial information report for
years. Getting additional credit, buying a house, sometimes even
getting a job might be hard for you. Technically, however, it is
a legal way of addressing your credit debt.
About the author:
For a list of Low Interest Credit Cards available today please
visit Low
Interest Credit Cards or www.low-interest-creditcards.org
(You are granted the right to reprint this article but the
title and content must remain unchanged and the authors name and
contact information must be included.)
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| Federal Trade Commission - Consumer Credit Center |
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| AnnualCreditReport |
| Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
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| Springboard - Non-Profit Consumer Credit Management |
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| Credit referencing and consumer targeting for the USA and other countries. |
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| National Credit Union Administration - Home Page |
| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
| www.ncua.gov |
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| Credit - Wikipedia, the free encyclopedia |
| Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
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| Credit (finance) - Wikipedia, the free encyclopedia |
| Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
| en.wikipedia.org |
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| The National Foundation for Credit Counseling |
| DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
| www.nfcc.org |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
| FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
| www.cuna.org |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
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