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Credit FAQ: What Is Fraud Alert?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.
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The ratio of the amount of a home loan to the appraised value of the home. For example, if you borrow $75,000 to buy a $100,000 house, the LTV is 75%. As a general rule, the lower the LTV, the more favorable the terms of ...
The ratio of the amount of a home loan to the appraised value of the home. For example, if you borrow $75,000 to buy a $100,000 house, the LTV is 75%. As a general rule, the lower the LTV, the more favorable the terms of ...
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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.
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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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