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 Credit Resources |
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Credit is a wonderful thing that can change the way you live your life for the better, it can also throw you down into the deepest pits of despair if you are not careful. Credit card companies are always on the lookout for new ways to make money off of you so you need to be careful about which kind of credit card you choose and how you deal with it.
Credit Repair-Resources:
low-interest credit cards-Resources: Everything you ever wanted to know about credit including free credit reports to use in credit repair . Understand consumer credit counseling and debt consolidation credit counseling. Use low-interest credit cards for bill consolidation to repair credit and rebuild credit while avoiding bankruptcy .
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Debt is something that most of us struggle with a few time in our lives, for some people it can be very hard to find a way to get out from under this heavy weight. Getting out of debt alone can be next to impossible and for those that need a little help, they can find it with credit counseling.
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Credit reporting companies collect and sell four basic types of information:
* Identification and employment information: Your name, birth date, Social Security number, employer, and spouse's name are noted routinely. The credit reporting company also may provide information about your employment history, home ownership, income, and previous address, if a creditor asks.* Payment history: Your accounts with different creditors are listed, showing how much credit has been extended and whether you've paid on time. Related events, such as the referral of an overdue account to a collection agency, also may be noted.
* Inquiries: Credit reporting companies must maintain a record of all creditors who have asked for your credit history within the past year, and a record of individuals or businesses that have asked for your credit history for employment purposes for the past two years.
* Public record information: Events that are a matter of public record, such as bankruptcies, foreclosures, or tax liens, may appear in your report.
Free Credit Reports : The three nationwide credit reporting companies are using one website, one toll-free telephone number, and one mailing address for consumers to order their free annual report. To order, click on free annual report, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is at the back of this brochure; or you can print it from ftc.gov/credit.
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