A Good Credit Score

The Fair Credit Reporting Act (FCRA) entitles you to repair your own credit report. You have a legal right to dispute any information you find on your credit report. Enacted in 1971, the FCRA stipulates that the credit bureaus investigate all consumer disputes if they challenge credit information on their credit reports. As per this [...]

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Today, we buy mostly everything on credit. We need credit, especially, to buy a house or a car. When applying for a loan, our good credit scores help us get it at reasonable interest rates. In fact, from landlords, to insurance companies, to utilities, everyone looks at your credit scores, as they are a reflection [...]

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Creditors and lenders depend on Credit Reporting Agencies to determine your creditworthiness. These agencies supply specific credit related information for the purposes of lending. Credit reporting agencies accumulate personal data about the people when they receive consumer credit applications from the creditors. In the United States, there are three main credit reporting agencies or Credit [...]

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