Identity Theft Archive for September, 2009

• Credit Report Problems: Filing Disputes

  by Ruth Racey

  There are times when you get a credit report with entries that are obviously incorrect. An incorrect entry in your report is not something you can just dismiss since they can have a negative impact on your credit score. Fortunately, you can dispute credit report problems by going to the … (more) September 20, 2009

• Disputing your credit report to protect your credit score

  by Ruth Racey

  It is not unusual for people to dispute the validity of their credit scores. Under the Fair Credit Reporting Act contained in 15 United States Code Section 1681, there are three conditions in which you can dispute credit scores issued by credit bureaus. These three conditions would be if the … (more) September 20, 2009

• What You Can Do to Obtain Good Credit Score

  by Ruth Racey

  A credit score of 700 is considered good enough. Most people, 60% according to the latest survey, have 700 and above credit scores. At this level most lending institutions are willing to grant loans with lenient terms like low interest rates and shorter payment timeframes. Obtaining a 700 credit … (more) September 20, 2009

• How to Get a Good Credit Score

  by Ruth Racey

  Everybody likes to have a good credit score knowing it will entitle them to favorable credit terms. What actually is a good credit score? You should be happy if you have a score of 700. More than that and you get more concessions from a prospective lender. On the other … (more) September 20, 2009

• What to Do When Your Credit Report Score Falls Below 700

  by Ruth Racey

  A credit score is the number representative of your creditworthiness according to your credit history. It judges your character as a borrower by systematically checking on how you manage credit. The data gathered and analyzed include the types of loans you have taken up, your repayment habits as well as … (more) September 20, 2009