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How To Establish Credit Your first credit card or loan is the hardest to get. If you’ve never had credit, you have no credit history. How To Improve Your Credit Record Legally Don’t be a victim of quick credit repair scams. Do your homework first. What Is Credit Denial And What Can You Do About It? If you apply for a credit card or a loan and the company turns you down, they must send you a written notice within 30 days. Review Your Credit Report And Correct Errors You can get a free credit report every 12 months and should check it religiously for errors. Credit Repair Scam Tips Things to think about before you hire a credit counseling/repair company: Credit Repair Companies Provide No Cure for Your Credit Ails Can credit repair companies really fix your credit seemingly overnight? 5 Tips For Improving Your Credit Score Is your credit score in the low 600's? Do you know what your credit score really is? Do You Know How To Spot Credit Repair Scams? If you have poor credit, don't be conned into quick fixes. There Is No Quick Fix For Improving Your Credit Report It takes time to repair you credit – it can't be done overnight. What To Do About Negative Information In Your Credit Report Do you know what the laws are regarding negative information in your credit report? What To Do If You Have Credit Problems Here are some basic steps to take if you have credit problems. Are You Managing Credit And Debt Or Is It Managing You? Who is in control – you or your credit card? How to Spot Credit Repair Scams And Correct Your Credit History Yourself With the sub-prime meltdown, the credit repair scam artists will be out in full force. Nothing But The Real Truth About Credit Repair Don’t believe everything you see in the papers or hear on TV about credit repair. Do You Really Know How to Improve Your Credit? Repairing your credit is not a quick fix. It takes time, planning, and budgeting. Questionable Credit Repair Offers Are you trying to get your credit repaired? You should read this. How To Spot Credit Repair Scams Spotting credit-repair scams is getting harder every day. Fiscal Fitness For 2008: Choosing a Credit Counselor Choosing a credit counselor may be the most important decision you make. Don’t Despair With Credit Repair Having credit card debt may seem like the end of the world, but, there are steps you can take to repair your poor credit. How To Dispute Mistakes On Your Credit Report Credit card reporting companies can and do make mistakes on your credit report. Self Help May Be Best When It Comes To Credit Repair Should you seek assistance from a credit card repair company or attempt to fix your credit yourself? Negative Credit Can Affect Your Job Search Many employers run credit checks before hiring new employees. How Do You Establish A Credit History? Getting credit can be a real Catch-22. You need credit to get credit. If you don’t have credit, you can't get credit. What do you do? Fair Debt Collection Practices Act And You If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." Need Credit or Insurance? Your Credit Score Helps Determine What You’ll Pay How important is your credit score? It can determine your credit card interest rate, insurance costs, and even your mortgage loan rate. What Is The Credit Repair Organizations Act? Do you know what your credit rights are? What Is The Truth about Credit Repair? Got bad credit? Want to get it repaired? Can you handle the truth? Credit Repair: Don't Get Scammed Can you really repair bad credit? Yes, but it will take time and persistence. No matter what you see or hear, there is no quick fix. How To Improve Your Credit Report Getting your credit score higher is the key to better rates. Improve Your Credit Score By Correcting Your Credit Report If you are looking to buy a house or purchase a car, a credit check will be conducted on you. If your credit report is incorrect, you may not be able to get that house or car that you want. Make sure your credit info is correct. What Can I Do To Improve My Credit Score? Credit scoring systems are complex and vary among creditors or insurance companies and for different types of credit or insurance. If one factor changes, your score may change ďż˝ but improvement generally depends on how that factor relates to others the system considers. Only the business using the scoring knows what might improve your score under the particular model they use to evaluate your application. Credit Repair Scams: The Warning Signs I am sure that you have seen the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims: Divorce and Credit–Are You Liable? Getting a divorce can be painful for both parties and can be even more painful if you have joint credit cards. Your Debts and Debt Collectors You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a “debt collector.” A debt collector is any person, other than the creditor, who regularly collects debts owed to others, including lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors. Your Credit and Your Rights A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Equal Credit Opportunity – What Can Creditors Do? Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan. Creditors have rules to follow – so make sure you know the rules and ensure that they are followed. Credit - You Have The Right To... Know your rights - your credit rights. There are laws to protect you - but - you have to know the law. Applying for Credit – A Regular Catch-22 We live in a Catch-22 world. You can’t establish credit unless you have credit. You can’t get a loan until you have a history of good credit – but – how do you get a credit to begin? Being a good shopper and always paying with cash will come back to haunt you when you want to make a major purchase – like a car or a house.

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