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Free No Obligation Quote
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Filed under Debit Cards, Debt Consolidation, Pre Paid Cards, Credit Reports, Bankruptcy by jacqueline.

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As with all laws and acts, the Fair Credit Reporting Act is very long. You probably don’t want to take the time to find a copy and read it cover to cover.

But, if you are concerned about your credit, who may have access to your credit and what they can do with your credit rating and information, you should understand the basic protection and guidelines.

You can find the entire act online by going to this link: www.ftc.gov/credit or you can ask to have a copy sent to you in the mail by writing to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Avenue, N.W., Washington, DC. 20580.

Here is a summary of your basic rights:

Let’s start with the first and most basic right. You have the right to know what is in your credit file. If you have never requested a copy of your credit report, you should do so immediately.

By law, you are now entitled to one free credit report every 12 months. You can find information at any one of a number of sites. To find reputable agencies who provide free credit reports, go to this link: www.ftc.gov/credit. You must provide proof of identity, usually including your social security number.

In addition, you may request a free credit report at any time, if someone takes action against you, denies a loan or other credit because of information contained in your credit file, you are entitled to free disclosure. If and when any of these scenarios apply to you, you are entitled to a free report:

            If you experience identity theft

If someone takes action against you because of information they found in a credit search

If you are receiving public assistance

If there is inaccurate information in your credit report because of fraud perpetrated because of identity theft

If you are currently unemployed and expect to be employed within the next 60 days

Here are some other things you should know about your rights under the Fair Credit Reporting Act:

If anyone uses information in a credit report to deny you credit for any reason, to deny you a job, or to make a judgment against you, they MUST disclose the source of this information to you, including the name, address and phone number of the agency from which they obtained this information.

You can request your numerical credit score from consumer reporting agencies, and/or credit bureaus. These scores are used to approve a mortgage, business loans, credit card credit limits, and other types of loans for automobiles, etc.   If you are applying for a mortgage, you can get a free report through your prospective lender.

You have the right to refute or dispute incorrect, inaccurate or incomplete information in your credit file. If you report this inaccuracy in writing, the consumer agency MUST investigate the claim and report back to you. Corrections to your credit rating and file can take months, so do not expect to see a change immediately.

Go to www.ftc.gov/credit to get more information on how to dispute incorrect information in your file. Keep in mind that, IF the consumer agency finds the information in your file to be correct, they WILL NOT delete it, but will continue to report the information as credit reports are requested by prospective lenders.

Your rights under this act ensure that access to your financial information and credit file are limited to those to whom you have give written permission to view this information and to those with whom you have completed an application for a loan or other instrument that requires a thorough credit check.

When you sign these loan applications, you give permission to the prospective lender to look at your credit file.   In addition, your prospective employer may ask for written permission to view your credit file. Companies in the trucking and transportation industry do not have to request or receive written information to review your credit file, but their employment application should state that they ARE going to review your file.

If you receive a ‘pre-approved’ unsolicited mailing for credit or credit insurance, the company must provide a toll-free phone number for you to call if you wish to have your name removed from their list. You can call (888) 567-8688 to be removed from national credit bureau reporting.

Finally, you should know that you can seek legal and monetary damages from agencies or individuals you violate your rights under this act. If a consumer agency or reporting agency does not comply with the enacted FCRA, you may be able to sue for damages in state and/or federal court. If you suspect that a violation has occurred, check the website: www.ftc.gov/credit website and/or seek legal counsel to find out how to pursue this violation in court.

Business credit credit card Identity Security Retirement Student Credit

Filed under Retirement, Identity Security, Business by jacqueline.

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Filed under Chase Manhattan Bank, Cash Rebate Cards, Business by jacqueline.

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In the 1950s, 1960s and 1970s, most young people were not expected to establish their own credit until they were in their late 20s. Today, teenagers and young adults often begin to establish credit early and this can serve you well, if you are cautious and do it the right way.

If your child is age 16-25 and you want to help them establish credit, or if YOU are age 16-25 and YOU want to establish credit, here are some things to think about before you begin the process:

It is difficult to get your own credit if you are under 21, but you can begin to establish credit by having a parent or guardian set up a checking account for you with checks, a debit card and possibly a co-signed credit card attached, if your bank will allow this addition.

By making deposits and withdrawals, paying minor bills you may incur by check when you are ordering from a catalogue or buying something at the store, or buying and paying things on credit from your own account, credit agencies will record YOUR name and begin to track YOUR credit.

One important note here: If you are opening an account in your name, your parent will have to co-sign, and that is fine. You can still hold the primary account name and begin your credit journey. Just be sure you don’t open the account as a trust account or under a Gift to Minors Act in your state. These accounts consider the parent or guardian as the primary and no incoming or outgoing money will apply to YOUR credit.

Parents should take note that if a child is still in high school or college, you are ultimately responsible for their bills if they do not pay them. So, track any money they earn through part time jobs or monies they put in the bank from gifts, etc. Be sure you know what they are charging and spending and help your child establish good budgeting and personal financial habits.

If you are over 21 and you do not have credit, you want to begin this process as soon as possible. You may wish to buy a car on credit or rent an apartment or buy something larger like a boat, or even charge a vacation you plan to take when you graduate from grad school. You can start as an ‘additional cardholder’ on your parent or guardian credit card account. You will get your own card and you can have bills sent to your address if you do not live at home.

The only time your parent or guardian will have to get involved is if you do not pay your bills. Don’t let that happen. That will have a negative impact on your new credit rating. If you can get a credit card that requires full payment at the end of each month, you are better off. The idea is to charge and then pay the bill right away to establish good credit.

Cards that allow you to carryover charges are too tempting and you can easily rack up a very high bill and find yourself unable to pay the high interest rates. Once you have established 12-24 months of good credit, you can contact the same credit card company with whom you have the ‘extra cardholder’ relationship and complete an application to get your own credit card account. Remember, it is never too early

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Filed under Chase Manhattan Bank, Student Credit, Debit Cards by jacqueline.

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Filed under Chase Manhattan Bank, Cash Rebate Cards, Gas Rebates by jacqueline.

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