Credit

3 Ways to Get a Collection Removed from Your Credit Report

A collection can be a significant and lasting detriment to your credit report. Having a collection on your credit report will negatively impact your credit score and could remain on your report for up to seven years. Even if you pay a collection, it could still show up on your report and negatively affect your…

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What Is Permissible Purpose and Who Has It?

The Fair Credit Reporting Act (FCRA) includes a section known as permissible purpose. It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual’s credit report. This credit report investigation is generally a result of an individual’s request for a credit line increase or opening a…

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How the Fair Credit Reporting Act (FCRA) Helps Consumers

The Fair Credit Reporting Act (FCRA) is a federal law to ensure the accuracy, fairness, and privacy of the information in consumer credit bureau files. The law regulates how credit reporting agencies collect, access, use, and share the data collected in consumer reports. Understanding the Purpose of the Fair Credit Reporting Act Information on consumers…

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Understanding the Fair Credit Reporting Act

Fair Credit Reporting Act

Credit reporting agencies are legally required to gather and report consumer information with the utmost accuracy.  Combined, the three largest credit reporting agencies – Experian, TransUnion, and Equifax – keep files on hundreds of millions of Americans and issue billions of credit reports each year. This voluminous amount of information makes errors inevitable.  The Fair…

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What to Look for on Your Credit Report

One of the most nerve-wracking aspects of a credit report is the moment between clicking “review” and waiting for when the report is generated. Whether you have good or bad credit, a credit report can always overwhelming, especially when it comes to figuring out what actually matters on the document. It’s essential that before you…

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What Happens When Credit Card Companies Try and Sue You?

Most people would never think that their three by three-inch credit card could one day make them the target of a lawsuit by a multi-billion-dollar corporation, but it can happen. More often than not, credit card companies looking to get even on debt are going to harass you with collection agents and non-stop barrages of…

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Can Identity Theft Affect Your Credit Score?

If you’ve been a victim of identity theft, you are likely familiar with how much your life can change. Identity thieves can take your financial information, purchase expensive items in your name, and leave you to deal with the consequences. After you realize your identity was stolen, you may be wondering if your credit score…

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The Difference Between Revolving Credit and Installment Loans

In this day in age, living without some line of credit is nearly impossible. With credit being a necessity to purchase a home or car and when renting, it is of no surprise why roughly 79% of Americans have at least one credit card. Although credit is a mainstay in the modern society, people are…

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How to Find Out Which Collection Company You Owe

Are you struggling to track down your debt collector? It may sound a bit off kilter, but this is a common issue for debtors. A TransUnion study concluded that Americans possess an average of 2.69 credit cards per person. Combine that figure with possible auto loans, student loans, and personal loans, and you could see…

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