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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...

Are Authorized Users at Risk?
January 6, 2003, revised April 23, 2003 "In applying for a mortgage recently, I found that the interest rate quoted was for someone with poor credit, which surprised me. I have never missed a payment on a mortgage, credit card or other debt in my life. My credit report, however, shows ... more...

credit issues related definitions

Credit Score
Credit Score A single numerical score, based on an individual's credit history, that measures that individual's credit worthiness. Credit scores are as good as the algorithm used to derive them. The most widely used credit score is called ... 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 issues 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...

12 Hazardous Chatter Issues to Evade During a Date Dating Advice for Men
Listing below some topics to keep away from, while talking during a date: Avoid talking about things which stir up memories of negative things, like violence, wrestling, rape, child abuse, death stories, animosity, hatred, cruelty. She is a woman after all! Avoid bringing up the past both hers and ... more...

How Do Commercial Debt Reduction Companies Work?
Dont stress it commercial debt reduction companies are proven authorities in debt negotiation to reduce your commercial debt in the best way possible for you, especially when youre least interested in the worst alternatives like Chapter 11.The best debt negotiation companies are there for your ... more...

How to Read an Experian Credit Report
The Fair Credit Reporting Act (FCRA) requires each of the Nationwide Consumer Reporting organizations (Equifax, TransUnion and Experian) to provide you with one free credit report every 12 months per your request. This means that you are entitled to three free credit reports per year, if you deem ... more...

Poor Credit Car Loan - Get Approved Online
Poor credit doesnt have to stop you from getting a car loan. In fact, car loans are one way of rebuilding your credit history. Online car loan lenders make the application process quick and easy, so you can buy your automobile the next day.Poor Credit Car Loan LendersCar loan lenders make it their ... more...

Using a Credit Repair Service
It is certainly no secret that more and more consumers today are finding themselves deeply in debt. There is also no doubt that being in debt can lead to feelings of helplessness and a loss of control. When people find themselves in debt they most likely will find themselves with a bad credit ... more...

Houston Mortgage Bankers
A mortgage is a sound investment. The real estate and mortgage industries are booming and most finance gurus are telling us to go in on some type of mortgage investment. Trillions of dollars are invested in residential mortgages; as well as commercial mortgage markets various insurances companies ... more...

Debt Consolidation How to Protect Your Credit Accounts from Theft
Last week, a security exploit at CardSystems Solutions, Inc, a credit card processor, may have allowed thieves to obtain as many as 40 million credit card numbers from unsuspecting victims. The theft was brought about though a virus introduced into the CardSystems that allowed external hackers to ... more...

Buying a Home with Bad Credit - How to Buy with Past Credit Problems
Late payments on credit cards, automobile loans, and medical bills can greatly reduce your credit score and give you a bad credit label. Years ago, it was extremely difficult to get approved for a home loan with bad credit. However, many lenders are offering a range of bad credit loans that ... more...

How to Refinance Your Auto Loan Online?
Refinancing your car loan may be a smart move if you received a high interest rate. A high interest rate is generally indicative of some credit problems. While obtaining a rate that's a few percentage points higher than current trends may not seem like a big deal, it may cost you an addition $30 to ... more...

Debt Consolidation vs Credit Counseling - Exploring Debt Reduction Options
With so many debt reduction options available to you, its easy to get confused on which is the most effective. Debt consolidation allows you to lower interest rates and payments on your own. But credit counseling can help you find other ways to reduce your debt and develop future financial ... more...

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