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Universal Credit Card Protection Under State and Federal Law

The Fair Credit Reporting Act (FCRA): http://www.annualcreditreport.com/fccr-act-pdf Under Federal Law: The federal Fair Credit Reporting Act (FCRA): http://www.annualcreditreport.com/fs115_act-pdf Under State and Local Law: The Fair Credit Reporting Act (FCRA): http://www.annualcreditreport.com/fcc120_act-pdf Under Federal Law: http://www.annualcreditreport.com/fa11102 Under State or Local law: The Fair Credit Reporting Act (FRCA): http://www.annualcreditreport.com/fa1215act-pdf Under Federal Law: https://www.crscore.org/consumer/index.html Annual Credit Report – Credit […]

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Payment System vs. Credit Card Debt

Once the money you write on your credit card bill comes from your spending limits, it has all the potentials that can be used by a credit card company to advance the interest you’ll be paying out. However, if you don’t prioritize your money wisely,’ you give up all of your opportunities to pay off […]

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Annual Credit Report

When you receive your annual credit report, there are a few important issues you should be aware of. Yes, the following items will be listed but you may for example have other factors on your credit report that it is not necessary to state for your claim them simply out of concern. What are your […]

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Consumer Credit Repair Office.

When you have bad credit, it becomes difficult to qualify for credit repair services. You can change credit score at will, of course. But you can’t buy services or insurance on bad credit. Or your bankruptcy may be related to your bad credit. Perhaps the best solution for you is consumer credit counseling. That’s right. […]

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Credit Options for Free Things

Free credit cards are everywhere these days. You are encouraged to use credit cards to pay for purchases and then pay them off very simply. With the annual fee, shopping for a credit card is not always as easy as buying what comes along with it. Not to mention the interest rate; there are days […]

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Online Payment Processing Credit Reports

Most people know that it is very helpful to have your local bank or financial institution validate your online credit reports with your banking information provider. As many people do not know that they are generally required to provide this service, and if not, then it is known for sure that fraud online is prolific […]

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Understanding Your Credit Card Rewards

The World Wide Web is full of enticing offers on attractive credit cards and rewards credit cards. But what should you do if you are already receiving unsolicited mail for credit card reward offers? For some people the answer may be: Stay away! Keep the credit card reward programs hidden It all seems a bit […]

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Intro Credit Report – Tips To Avoiding Adverse Credit Effects

The American people deserve to know when they are in trouble. This is the time where the companies give you answers that are difficult to get. Credit report is an indispensable tool when dealing with your current situation. Knowing how you report is required because many companies will take a chance on you even when […]

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How can I get your credit report?

There used to be a black out date when reporting credit reports because the Federal Trade Commission enforced the mandatory reporting of a customer’s credit report. The reporting agency(s) were still able to show you your credit score based on this form of information only in a very simple format, what they called an ‘Approval […]

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Determine How You Can Raise Your Credit Score

Some credit scoring companies claim they can bring your credit score up substantially by lowering your monthly installments. Others claim they offer an automatic way to lower your payments and help you establish a healthy financial pattern. All of these aspects make one credit scoring agency the right choice for your needs. There are three […]