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Credit FAQ: What Is Fair Credit Reporting Act?A federal law that among other things enables consumers to learn what information consumer reporting agencies have on file about them, and to dispute errors in the file. It also specifies certain permissible purposes for which credit reports may be furnished. It provides consumers with the right to obtain a copy of their report at no charge if their have been turned down for credit.
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Credit FAQ: What Is Fraud Alert? (October 11, 2006)
If you suspect that you're the victim of identity theft or credit fraud, you may contact the credit reporting companies and place a fraud alert on your credit file. Such an alert will prevent new credit accounts from being opened without your express permission.
If you suspect that you're the victim of identity theft or credit fraud, you may contact the credit reporting companies and place a fraud alert on your credit file. Such an alert will prevent new credit accounts from being opened without your express permission.
Credit FAQ: What Is Equal Credit Opportunity Act (ECOA)? (October 11, 2006)
A federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status, or receipt of income from public assistance programs.
A federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status, or receipt of income from public assistance programs.
Credit FAQ: What Is Credit Reporting Company? (October 11, 2006)
Commonly known as credit bureaus, credit reporting companies are companies that receive, maintain, and provide information about consumers' credit history. Three national agencies -- Equifax, Experian, and TransUnion -- dominate credit reporting. There are many smaller agencies, but almost all of them get information from ...
Commonly known as credit bureaus, credit reporting companies are companies that receive, maintain, and provide information about consumers' credit history. Three national agencies -- Equifax, Experian, and TransUnion -- dominate credit reporting. There are many smaller agencies, but almost all of them get information from ...
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Someone who agrees to share responsibility with the primary applicant for a loan or credit card. A consumer with poor credit may need a co-signer to get a loan or to qualify for favorable terms. Because co-signers are liable for debts incurred, co-signed accounts appear ...
Someone who agrees to share responsibility with the primary applicant for a loan or credit card. A consumer with poor credit may need a co-signer to get a loan or to qualify for favorable terms. Because co-signers are liable for debts incurred, co-signed accounts appear ...
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