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Credit Reports and Credit Scores
November 24, 2004 What Is a Credit Report? A credit report is a report from a credit bureau containing detailed information bearing on credit-worthiness, including the individual's credit history. A typical credit report includes the following: Personal information. ... more...

How Do You Correct Mistakes in Your Credit Report?
August 6 , 2003 The credit reporting system is imperfect. Sometimes erroneous information is  inserted in a file that adversely affects the consumer?s credit score. If this has  happened to you, use the form below to contact the credit reporting agency  that has reported the ... more...

credit bureau related definitions

Credit Report
Credit Report A report documenting the credit history and current status of a borrower's credit standing, detailing a borrowers credit history including payment history on revolving accounts (eg. credit cards) and installment ... more...

Equal Credit Oportunity Act
Equal Credit Oportunity Act (ECOA) Is 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. ... more...

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Get Free credit bureau Quotes and Estimates

Get instant on-line mortgage rate quote and closing cost estimate. Only put your loan numbers. No contact info required. Compare offers from top mortgage lenders... more...

Budgeting is Essential for a Single Mother's Success
Today many women are struggling with debt and its even harder if you are a single mother trying to support your family. According to the Census Bureau single mothers far outweigh single fathers. In 2003 there was a total of 2,260,000 one parent family groups maintained by the father and 10,142,000 ... more...

Prosperity For The Rest Of Us
Today the term prosperity has been debased and relates only to having lots of money and things. It is used in a dark Ahrimanic way, often unknowingly. In short it is given a very evil meaning associated with material gain. Even in alternative / new age circles it is frequently associated with ... more...

What Is a FICO Score and How Do I Make It Work for Me?
Whether or not you receive a loan and what interest rate you get on your credit card may be determined by something called a FICO score. Named for Fair, Isaac & Co., a California-based company that developed the credit score, the FICO score is the most widely used scoring method to determine credit ... more...

Bad Credit Home Loan Mortgage Services - Selecting a Good Mortgage Broker
If attempting to get a bad credit mortgage, using a mortgage broker is wise. Some people contact traditional lenders when applying for a home loan. However, if your credit is less than perfect, these lenders may be unable to assist you. On the other hand, some traditional mortgage lenders have ... more...

Ten Ways to Get Out of Debt
1) Use your AssetsIf you have assets with some significant equity, such as a home or a car you may be able to use these to get control of your debt. For example, you could get a loan on your home sufficient to pay off your debts. You could be saving a considerable amount of money on interest if you ... more...

Poor Credit Credit Cards
People who have bad credit have many more credit card options today than they did just a few years ago. Maybe this is contributed to the theory of supply and demand or maybe the credit card companies just realized how much more money they can make by charging high interest rates to people with bad ... more...

"Credit Repair Kit" Sound To Good To Be True? It Is.
A lot of people have bad credit. It is unfortunate that good people with good intentions are sometimes lured into credit card offers with outrageous interest rates or convinced to buy a new, overpriced car that they cannot afford. Sometimes, it is a stroke of bad luck. You may have recently lost ... more...

The Truth About Your Credit Scores
Some of us just havent been lucky enough to have perfect credit scores, and some of us have been unluckier than others when it comes to credit. However, alls not lost. Did you know there are ways to increase your scores? When you know all these little how tos you can sometimes increase your ... more...

Credit Repair Services vs. 'Do-It-Yourself' Credit Repair
Millions of Americans suffer because of bad credit these days, and almost all of these people turn to the Internet for help. In the past 5 years hundreds of internet-based credit repair services have sprung up, preying on consumers in need of real help. Most of these companies have built less than ... more...

A Guide to Bad Credit Credit Cards
Having less than perfect credit can hurt you and your financial future. One way to get yourself out of the dark hole of credit is by responsibly using a credit card. If you have bad credit and are looking for a credit card, you may want to stick with the bad credit credit cards. Bad credit ... more...

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