Stuart Hunter's Articles in Credit - Article Search Network

Stuart Hunter's Articles in Credit

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3 Failures of the FCRA Even though the Fair Credit Reporting Act has made a positive impact on the consumer credit system, there are still fundamental shortcomings in how your credit reports are created and the methodology behind how your credit scores are generated. These flaws result in an unfair credit system that the majority of the time, hurts the consumer and benefits lenders. Is This Credit Repair Service Trustworthy? Legitimate credit correction firms have helped thousands of people legally and effectively repair their credit reports. Choosing the right credit correction service is the first step in getting help achieving your credit goals. There's Nothing Wrong With Getting Some Help with Your Credit If you've never done it before, you can try to bake cookies without a recipe, you can try to repair your car's transmission yourself, and you can try to repair your own credit reports. Of course, you risk batches of inedible cookies, a disabled vehicle, and a damaged credit history. Getting help with any of these tasks can help you avoid making a mess that is too tough to clean up. The 4 Laws of Legal Credit Repair There are a handful of consumer protection laws designed to help protect you from being taken advantage of by the credit reporting system. It is these consumer protection laws that state what sort of information can be listed on your credit reports, how long it can be listed, and how you can dispute inaccurate, misleading and otherwise unfair negative credit listings. 4 Credit Bureau Fictions They wield tremendous power over your life - and the lives of every other bill-paying American adult. But how much do you actually know about the big three credit bureaus? Friend or foe? Fact or fiction? The FCRA and Your Credit Rights Before the Fair Credit Reporting Act, the credit reporting system was particularly unfriendly to consumers. Fortunately, many of the injustices of the system have been addressed and consumers are now able to do something about their credit rating. What Does Credit Repair Mean? Ask 10 people to define credit repair and you will probably get 10 different answers. Even amongst financial experts, there are disagreements about what credit repair is. So exactly what is credit repair? The Dark Side of No Interest, No Payment Plans No interest, no payment plans may seem like a great way to buy Christmas gifts, birthday presents, or something for yourself, but these agreements can go very wrong. Protect you pocketbook and your credit score by knowing the potential consequences of a no interest, no payment plan. Credit Repair is More Important Than Ever The current credit crisis has created great opportunities for those with excellent credit. Hoping to take advantage of these opportunities, people with poor and average credit are turning to credit repair for help. Is Repairing Your Own Credit Worth It? Repairing your credit is something you can do yourself and there is no charge to do so. While this sounds enticing, the reality is that self credit repair is rarely as easy as it first seems. Repairing your own credit will likely take a significant amount of time and education. Credit Card Companies Could Lower Your Credit Score Credit card issuers have begun lowering the credit limits of credit card users who have a late payment, apply for other sources of credit, or have their credit scores drop. This can then cause credit scores to drop even further. 5 Reasons Lexington Law is Different Lexington Law credit repair services have set the standard for the credit repair industry. Today, Lexington Law continues to be a driving force in credit repair in part because of these five traits. 8 Consumer Credit System Myths Misinformation and half-truths abound in discussions about credit reporting and scoring. People have so many different ideas about what is true when it comes to dealing with their credit that regardless of the question you ask, you are liable to get a wide variety of conflicting information. If You Don't Believe Credit Repair Can Help, You Are Right Credit repair works for those people who are willing to devote the time and resources towards fixing their credit reports. Conversely, those who do not believe in credit repair will never see the benefits it can provide. CROA and Credit Repair Scams The Credit Repair Organizations Act (CROA) helps protect you from a credit repair scam while also allowing you to receive help with your credit repair efforts. Understanding the basics of CROA is a good starting point when shopping for a credit repair service. Credit Bureaus: Fact and Fiction Many people have some common misconceptions about the true nature of the credit bureaus that could be argued is exactly what the credit bureaus want. This is because these misconceptions give people the impression that there is little they can do about their credit. Learning the facts about the credit bureaus and the credit reporting system is the first step in taking control of your credit. Credit Repair is More Than a Right, It's Your Responsibility Making sure your credit reports are accurate is your responsibility and if there are errors in your credit reports, you are going to have to be the one to repair them. You have the right to repair your credit report but even further than that, you have the responsibility to repair your credit. Report Card for the Fair Credit Reporting Act While the FCRA has made a positive impact on the credit reporting system, there are still a number of fundamental flaws in how your credit reports are constructed and how your credit scores are calculated. These flaws result in an unfair credit system that more often than not, punishes the consumer and rewards lenders. The FCRA and Other Credit Repair Laws There are a number of consumer protection laws designed to help protect you from being taken advantage of by the credit reporting system. It is these laws that state what sort of information can be on your credit reports, how long it can be listed, and what you can do to remove inaccurate and unfair negative credit listings. Tips for Finding a Credit Repair Firm Getting started with repairing your credit is one of the very best things you can do for your financial well being and choosing the right credit repair company to help you achieve your credit goals is pivotal. What follows are tips and things you should look for when choosing the best credit repair company for you. 6 Tips for Finding the Right Credit Repair Company Credit repair companies have helped thousands of people legally and effectively correct their credit reports. Choosing the right credit repair company is the first step in getting help achieving your credit goals. Two Ways The Legal System and the Credit System Differ While the legal system has been set up to protect the rights of the individual, the credit system protects the profits of lenders. Guilty until proven innocent is not a luxury you have in the credit system.

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