Know the Truths about Credit Reporting

Reading and understanding your credit report can be a little confusing.  Credit reports are filled with all kinds of information and there are multiple versions.  Knowing how to read and understand your report is essential to your well-being…getting loan approval, credit cards, utilities and finding employment.  An easy way to understand your report is to […]
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Responsibilities of Creditors under the Fair Credit Reporting Act

Federal Courts have declared that furnishers of information must conduct a reasonable investigation into a consumer dispute, just as is required of the credit reporting agencies.  In Hinkle v. Midland Credit Management, Inc. the plaintiff sued the collection agency for failing to conduct a reasonable investigation into her dispute regarding its accounts on her credit […]
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Top 5 Mistakes Made When Dealing With a Debt Collector

When dealing with a debt collector you need to be one step ahead of the collector at all times.  As one owing a debt the biggest mistake you can make is not knowing your rights and the law.  Awareness is key to not getting taken advantage of.  The following is a list of the top […]
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