Tag: credit

Visit AnnualCreditReport.com to take advantage of your right to your free credit report from all three reporting agencies every 12 months.

AnnualCreditReport.com is the only source authorized by federal law to supply your free credit...

If you're behind on payments, you'll probably be hearing from debt collectors. Federal law gives you certain rights in dealing with debt collectors. It's important to understand those rights when communicating with them.

When you move into a house or an apartment, you may have to pay for utility services like gas, electricity or water. To get these services, companies often look at your credit history – including your record of paying for utilities at any...

Looking for a loan or credit card but don’t think you’ll qualify? Have you been turned down by a bank because of your poor credit history? You may be tempted by ads and websites that guarantee loans or credit cards, regardless of your credit...

If you find mistakes when you review your credit reports, send letters explaining the mistakes to the 3 credit reporting companies and the businesses involved.

What To DoWhat Happens NextWhat to Do

Here's how to start the process:

Write...

Mail Call: Bills, a letter from your Aunt Mary, a circular from a local department store, your monthly bank statement, and an offer for a new credit card that says you've been "prescreened" or "prequalified."

A "prescreened" offer of credit?...

Voice mail boxes across the nation are being clogged with prerecorded phone calls from companies that claim to be able to negotiate significantly lower interest rates with your credit card issuers if you just pay them a fee first.

The...

Chances are you rely on your vehicle to get you where you need to go — and when you need to go — whether it’s to work, school, the grocery store, or the soccer field. But if you’re late with your car payments, or in some states, if you don’t have...

"I just need enough cash to tide me over until payday GET CASH UNTIL PAYDAY! . . . $100 OR MORE . . . FAST."

The ads are on the radio, television, the Internet, even in the mail. They refer to payday loans, cash advance loans, check...

The next time you apply for a mortgage or personal loan, you may be asked if you want to buy credit insurance, or it might already be included in your loan proposal. Credit insurance protects the loan on the chance that you can't make your...

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