Your Rights Regarding Credit Repair

No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Some people...

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Recognizing a Credit Repair Scam

Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a car loan, a home mortgage, insurance, or even a job once they pay them a fee for the service. The truth is, these companies...

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How to Dispute Credit Report Errors

Credit reports are extremely important for adults who plan to get a credit card, apply for a job, buy a house, have utilities turned on, or a host of other activities. Each month, your creditors and lenders send details about your account to at least...

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5 Things to Know About Your Financial Aid Package

You've received your financial aid award letter for the upcoming academic year. Amidst all of the financial aid terms and figures, there is some important information that may not be explicitly mentioned but that is good to know.1. You can -- and should...

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adverse action notice definition

An adverse action notice is a letter sent after you've had an application - credit, loan, insurance, employment, etc. - denied. If you were denied because of information in your credit report, the Fair Credit Reporting Act (FCRA) requires creditors,...

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Student Credit Cards -- What You Need to Know

The moment a college student arrives on campus, he or she is bombarded with credit card offers. Advertisements for student credit cards are everywhere: in bags at the bookstore, in the campus newspaper, in your regular mailbox, in the residence halls.With...

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12 Reasons Your Credit Card Application Was Denied

If you’ve had a credit card application denied, you’re probably wondering why. The credit card company rarely tells you on the spot just why your credit card application was denied. Instead, they send an adverse action letter within 7-10 business days...

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