Credit Report & Score
Related Information

OUR LEGAL INFORMATION WILL HELP YOU TO BETTER UNDERSTAND A YOUR CREDIT REPORT AND CREDIT SCORE ISSUES.

Often check your credit report.
Your credit report plays a major role when you apply for a credit card, auto loan, mortgage, employment screening, utilities deposits and insurance. It is to your advantage to know what is on your credit report before applying for credit or a loan. I ...   More details

One more time about credit scoring.
You have probably heard about credit scoring if you have tried to get a loan recently. Credit scoring models have been used in the mortgage industry since 1994, when Fannnie Mae and Freebie Mac started using them for ease in gauging your ability to r ...   More details

Prevent Identity Theft
Identity theft occurs when someone steals and uses another person’s or business’s identity for personal gain. It happens every day to people and businesses worldwide. You can help protect yourself, your business, and your customers from identity thef ...   More details

Removing negative credit record.
Consumers working on their credit reports say many times their letters are ignored by the credit bureaus. Consumer’s say even with proof a credit record is not theirs, its removal from their credit report can take three or four challenge letters, bec ...   More details

Signs of credit fraud.
1. You receive bills for loan or credit cards you did not or accounts you never requested.
 
2. Your credit line is lowered for no reason. ...   More details

Signs you are being scammed.
1. A company charges an upfront fee of more than $50 before it has produced results. The Credit Repair Organizations Act makes it illegal for companies to charge a fee until their services have been performed.
 
2. A company offers to crea ...   More details

State of Spyware Q1 2005 CONSUMER SpyAudit Results
Overall Results. In Q4 of 2004, the Consumer SpyAudit saw a rise in the number of machines infected by spyware reach an all-time high of 92 percent, and perhaps even more alarming than the overall growth of the spyware plague was the dramatic rise in ...   More details

Statement of dispute.
If the credit bureau does not resolve your dispute, you can ask them to include a statement (up to 100 words) in your file that says you disputed information in your credit report. The statement will show up in future credit reports.
 
If ...   More details

Step By Step to fix errors.
To correct an error in your credit report, write a letter to the credit bureau that produced the erroneous report. Be sure to
 
1. Provide your complete name and address, stating each item in your credit report that you believe is a mistak ...   More details

Steps to repair your credit.
1. Obtain your three credit reports. 2. Review the reports and locate the negative items. 3. Dispute the negative items with the credit bureaus. 4. Disputed items are removed or corrected. Items that were not re-verified are removed. 5. Negotiate wit ...   More details