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Credit Report and Score<br>Related Legal Information  

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Related Legal Information

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Credit bureau makes money.


A Credit bureau is a commercial business. It makes money by selling your Credit Report to others. A person with bad credit means more business for them, as such a person applies for credit about ten (10) times more than a person with good credit. 		 
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Credit report correction techniques  

Credit report correction techniques

Many times the credit bureau is busy and does not handle your dispute properly ...
Basic rights under The Fair Credit Reporting Act  

Basic rights under The Fair Credit Reporting Act

All Federal Laws are in consumer's favor and you will have the advantage ...
Credit scoring and the lending industry  

Credit Scoring and the Lending Industry

Credit scoring is crucial to your ability to get a loan. When you apply for a mortgage, your lender ...

Ask Kim: Co-signer's remorse

Chicago Tribune
Q. In the early 1990s, I cosigned for a credit card for my son, who was then a college student. The credit card had a limit of $500. Recently, my credit report showed a substantial balance on the card. I called the bank, which informed me that it is an ... 		Ask Kim: Co-signer's remorse

Credit Builder Loans Can Help Burnish Your Credit Score

New York Times (blog)
A typical credit builder loan acts much like a layaway plan: instead of getting the money upfront, the borrower makes payments on the loan over a period of time, perhaps a year, and the credit union puts the money in an interest-bearing savings account ... 		Credit Builder Loans Can Help Burnish Your Credit Score
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