Consumer Rights

In this article I am going to show you how to validate, fix and maintain accounts listed on your credit report. As a result, you will see an improvement in your credit score. Don't waste your...

If your credit has been harmed by your own actions/payment history, there are things you can do to start the process of credit repair. If your credit score or history has been hurt by errors or...

Wondering if renting to own a house is right for you? Think of renting to own as leasing a car with the option to buy it when your lease is up. Many home sellers are happy to enter into...

Dealing with Collection Agencies has a lot to do with knowing their limitations in contacting you concerning late payments or overdue bills. These three steps will help you to know what to do if...

A soft credit check has no effect on your credit score and will not be viewed by anyone who pulls your report in the future. This is opposed to a hard credit check which will have a slightly...

Any individual can opt to fire a lawyer. You can fire your lawyer for mismanaging your case, not returning your phone calls, or for any other reason you choose. Keep in mind, however, that...

Let's face it, unless your last name is Hilton, Buffett, Walton, or Trump, you are experiencing a little of what all America is feeling in this recession. Almost all of us have been in a need of...

Scenario: you order pizza and notice that on your receipt it says “NO CHECKS”. What the heck is that all about? You call the pizza joint and they tell you that at one point you wrote a bad check,...

It is hard enough to control your credit rating without the mountain of credit and insurance offers that clog up your mail box. I believe this puts you at risk for identity theft. I am always...

It can be very difficult to fix a problem on your credit card statement or credit report. Almost all Credit Cards are offered by Banks. The FDIC can protect consumers from Banks that ignore your...

Rates for cable and internet services are usually flexible, and you can save a lot of money if you know how to work the system. Cable providers are more willing than ever to renegotiate rates in...

The Fair Credit Reporting Act (FCRA) is a federal law that regulates how credit reporting agencies use your information. The only thing about this is that no one tells you how to utilize this...

Salespeople are conditioned to close the sale - sometimes before you're sure what you want to do. Here are some assertive, honest remarks that can defuse the pressure.

Becoming a cheap shopper is not only prudent, but it is actually very easy in today's economy. Everything from cheap airline tickets to cheap hotels are just a click away and can be found daily....

The Fair Credit Reporting Act is enforced by the Federal Trade Commission and was originally passed in 1970 to protect consumer rights related to credit. The Fair Credit Reporting Act sets...

Those evil credit card companies were bailed out by the very people they are charging astronomical interest rates! We're not going to take it, debtors of the world unite! A woman in California...

Having an account incorrectly reported on your credit report can have a negative impact on your ability to open new credit accounts or get a loan. It can even affect your chances to be hired for...

It seems to me that a store’s return policy should protect the customer against merchandise that is defective or does not live up to its intended function and lifespan. It is so frustrating when...

If you are struggling with bad credit, you know firsthand what a hopeless feeling it is to review your credit report and feel as if those bad debts will never disappear. Fortunately, the federal...

If a debt collector calls or sends you a collection letter, and you know the charges are incorrect, you have legal recourse to stop harassment. By law, a collection agency must provide proof that...

If your wallet is stolen or lost or you find yourself the victim of identity theft, you must react quickly to stop the scam and restore your credit. The steps below document how to react if...

When disputing a debt, it is a good idea to be willing to file a complaint with the Attorney General's office. Too often legitimate disputes fall through the cracks, or the Credit Reporting...

Are you aware that the (F.C.R.A.) Fair Credit Reporting Act gives you the right to File Suit against the Credit Bureaus in Small Claims Court for non compliance of the law?

Almost anyone with a pulse has been plagued at some point by stacks of credit card come-ons in the mail. Not only do they contribute to paper waste, but these credit card applications also provide...

Stopping Telemarketing scams is not difficult, we just need to think smarter, be more alert and take steps to protect ourselves from any attempt at fraud.

Identity theft is not always the result of someone hacking into your computer. Many times it is a result of an individual not taking the time to secure their personal information from prying eyes....

Ever wonder why you keep getting junk mail from the same people, even after sending it back to them refused? How about a missent letter that keeps coming back to you? Can't they get the message?...

Unclaimed money is an increasingly hot issue. Since information is every increasingly available to those who know how to look, that information is up for sale. Unclaimed money is money owed to...

You have federal rights that allow you to get a collection agency to stop calling you. You have a right to privacy. In the current economy people have begun to be forced to prioritize with...

How to avoid the epedemic of debt settlement and loan modification ripoffs

How to dispute the content of your credit report.

Is you mail full of unsolicited offers from the credit card companies? Are you tired of having to use the paper shredder to make sure that no one else grabs one of these offers out of your trash...

With identity theft as one of the fastest growing crimes in America it's very important that you keep your social security number (SSN)and personal information safe. Once an identity thief has...

Do you recieve a lot of junk mail regarding pre approved credit cards? Do you want them to stop? Could it be hurting your credit score?

The Nevada Treasurer’s office holds millions of dollars in citizen’s money, and adds more money to the coffer every single year. How does all this money get there? The Treasurer of Nevada is...

Many people are unaware of their rights under the law when they are notified by a debt collection agency of a past due debt. Often, the debt collector can be quite pushy, demanding and even...

You now apply for Georgia Food Stamps online with easy effort. The Georgia Department of Family and Children Services (Georgia DFACS) has designed the Georgia Compass site so that everyone can...

The three major credit bureaus maintain your credit information, and companies can review it under certain circumstances. You may not have realized that you can prevent many companies from...

If you are having tough times and are in need of money to help you make it through, you should apply for Florida Cash Assistance (Florida TANF). TANF stands for Temporary Assistance for Needy...

How many times have you received horrible customer service? You probably just mumble under your breath you’ll never shop there again or vent to your friends about the horrible service you had. ...

Mistakes in your credit score can cost you a lot! Our credit scores are checked each time that we apply for financial services such as a loan or mortgage. If there are mistakes on your credit...

If you are behind in paying your bills, and are unable to catch up, you may benefit from using a good credit counseling service. It is certainly an option to explore if you think you may be...

The buy-now-pay-later world of credit is tightly woven into the fabric of today's economy. Credit can be used to replace a broken appliance even when cash is low. It can buy a new car with a price...

The information in your credit report and your credit scores seem to be the ruling information and numbers that dictate credit worthiness. So much personal information is listed on the credit...

Does your broker never return your calls? Are you tired of broken promises? Here's how to give your broker the boot for good.

It may feel intimidating to deal with credit bureaus, but consumers actually have some important legal protections. Many of these are provided by the Fair Credit Reporting Act, a federal law that...

Have you ever gotten a phone call or letter from a collection agency and have no idea what debt they are talking about? Or maybe the debt was incurred so long ago you don’t even remember? Or even...

Restoring your credit score may seem like a daunting, mysterious or impossible task - but it's not. With some careful planning and hard work, you can recover from bad credit and get back on your feet.

There may be hundreds of thousands of dollars in unclaimed property in Florida at any given time. If you have ever opened a bank account and forgotten about it, paid a utility deposit and forgot...

In years past, most employers were willing only to include an employee's children and opposite-sex husband or wife as dependents for their health insurance coverage. But today, an increasing...