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If you’ve ever applied for a credit card, a personal loan, or insurance, there’s a file about you. This file is known as your credit report. It is chock full of information on where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy.
Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses with a legitimate need for it. They use the information to evaluate your applications for credit, insurance, employment, or a lease. Having a good credit report means it will be easier for you to get loans and lower interest rates. Lower interest rates usually translate into smaller monthly payments. |
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Nevertheless, newspapers, radio, TV, and the Internet are filled with ads for companies and services that promise to erase accurate negative information in your credit report in exchange for a fee. Nobody can remove accurate negative information from your credit file. Only time, a deliberate effort, and a plan to repay your bills will improve your credit as it’s detailed in your credit report. |
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Your Rights: |
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Explains your rights under the law. |
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Improve Your Credit: |
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Tells you how you can legally improve your credit. |
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Dealing with Debt: |
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Offers tips on how to deal with debt. |
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Avoid Scams: |
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Cautions about credit related scams and how to avoid them. |
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Identity Theft: |
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Offers information about identity theft. |
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Resources: |
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Lists valuable resources for additional information. |
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Forum: |
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Discuss credit related issues and get answers to specific questions. |
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