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Entries Tagged as 'Credit Repair'

FDCPA Violations: A Summary of What Debt Collectors Cannot Do

May 23rd, 2017 · No Comments · Credit Repair

When you owe a debt, the creditor naturally has the right to collect on it. What they cannot do is use whatever measures they like to get you to pay them. On the contrary, they must operate within a lengthy set of rules that are laid out in the Fair Debt Collection Practices Act (FDCPA). Get to know your rights with this summary of FDCPA violations. This information will not only help you spot debt collector violations, but will also inform how you deal with debts during the credit repair process.

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How to Request a Credit Freeze: Pros, Cons, and Steps to Get It Done

May 9th, 2017 · No Comments · Credit Repair

Whether you’re repairing your credit in the wake of identity theft, or you’re trying to prevent it, a credit freeze – also known as a security freeze – could be a good fit for you. With a credit freeze, no creditors will be able to access your reports, or generate credit scores based on those reports. This should prevent identity thieves from opening new accounts in your name. That said, a credit freeze does have its shortcomings. Weigh the pros and cons, then follow these steps if it seems like the right thing to do.

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Quick Guide to the Fair Credit Reporting Act

April 11th, 2017 · No Comments · Credit Repair

The more you know about credit reporting laws, the better for your credit reports and scores. But while the Fair Credit Reporting Act isn’t as intimidating of a read as it might sound, it is 100 pages long. If you want to delve in, this quick guide is a great primer. But if you just want to get the basics down, this quick guide is all you need. Either way, you’ll get a good feel for how credit reporting works. Whether you’re trying to repair bad credit — or simply want to make good credit better — this is good information to use in your favor.

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