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Information on mortgages, home equity loans, and consumer credit to help you use the power of financing to your advantage.
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• FREE Credit Report and Credit Score.
Understanding Credit Tips
• Equal Credit Opportunity. Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan
• Credit and Your Consumer 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. Sometimes, things happen that can cause credit problems: a temporary loss of income, an illness, even a computer error. Solving credit problems may take time and patience, but it doesn’t have to be an ordeal.
• Credit Reporting Agencies. If you've ever applied for a credit card, a personal loan, or insurance, there's a file about you. This file contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.
• Credit Scoring. Ever wonder how a creditor decides whether to grant you credit?
• What type of information do credit bureaus collect and sell? Credit bureaus collect and sell four basic types of information.
• Seven-year Reporting Period. There is a standard method for calculating the seven-year reporting period. Generally, the period runs from the date that the event took place.
• How to Dispute Credit Report Errors. Your credit report--a type of consumer report--contains information about where you work and live and how you pay your bills. It also may show whether you've been sued or arrested or have filed for bankruptcy. Companies called consumer reporting agencies (CRAs) or credit bureaus compile and sell your credit report to businesses.
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| ©2005 Lendingtips.com All rights reserved. |
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Lendingtips.com 464 Oak Avenue Naples, FL 34108
Phone (239)877-7835 Fax (239)594-5686
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