Prevent Identity Theft - Removing negative credit record - Signs of credit fraud
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OUR LEGAL INFORMATION WILL HELP YOU TO BETTER UNDERSTAND A YOUR CREDIT REPORT AND CREDIT SCORE ISSUES.
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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 |
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Please read more related legal information:
Read Credit Report Articles
Credit Report Frequently Asked Questions
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Credit report correction techniques
Many times the credit bureau is busy and does not handle your dispute properly ...
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Basic rights under The Fair Credit Reporting Act
All Federal Laws are in consumer's favor and you will have the advantage ...
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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 ...
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Mortgage rates up for Friday
Bankrate.com
Yes, that payment is much bigger than it would be on a 30-year mortgage, but it comes with some big advantages: You'll come out several thousand dollars ahead over the life of the loan in total interest paid and build equity much more rapidly.
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Mortgage rates rise to highest levels since July
Chicago Tribune
According to the latest data released Thursday by Freddie Mac, the 30-year fixed-rate average jumped to 3.94 percent with an average 0.5 point. (Points are fees paid to a lender equal to 1 percent of the loan amount.) It was 3.88 percent a week ago and ...
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Weekly mortgage applications fall 4.6% as rates rise - CNBC.com
CNBC
A for sale sign is posted in front of a home as interest rates for home loans climbed to nearly 4% in the wake of the election of Donald Trump to be the U.S. ...
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