Tag: credit report

Some employers look into your background before deciding whether to hire you, or before deciding whether you can keep your job. When they do, you have legal rights. The Federal Trade Commission (FTC) enforces a federal law that regulates...

Have you ever tried to pay for things with a check and the transaction was declined even though you had money in the bank? It might be because a consumer reporting agency gave the retailer negative information about your credit history –...

Losing a job is stressful, plain and simple. Looking for a new one is no easy task either, especially if you worry about how to pay the bills. But take a deep breath. Here are some tips to help you get back on your feet professionally and...

As we kick off Hispanic Heritage Month celebrations, we think of all the wonderful contributions Latinos have made throughout U.S. history. From Civil War Admiral David G. Farragut to union leaders César Chávez and Dolores Huerta, baseball’s...

As you recover from a weather emergency, you will need to share personal information to get relief benefits or replacement identification documents from government agencies and organizations: Be cautious. Identity thieves may pose as government...

Ever wonder how a lender decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards, auto loans, and mortgages. These days, other types of businesses —...

Whether you’re heading off to your freshman year of college or getting your first apartment, preparing to be out on your own can be fun and exciting. It also means taking on new financial responsibilities. The decisions you make now about how you...

Use this sample to draft a letter disputing errors on your credit report.

Your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed...

Write checks at the store? You’ll want to read this.

One of the nation’s largest check authorization services — Certegy Check Services, Inc. — has agreed to pay $3.5 million to settle FTC charges that it violated the Fair Credit Reporting...

During the school year, parents are asked to sign many forms. In the wrong hands, the personal information on these forms can be used to commit fraud in your child’s name — to apply for government benefits, open credit card accounts, or apply for...

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