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TODAY'S SAVING TIP  When you first receive your Trans Union and Equifax credit reports, you will be totally lost. The information is coded in a way that is not immediately readable by the average consumer. Each credit report should arrive with a key that interprets the ... Read more
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Top Credit Rights Tips from AskMrCredit.com

Denied credit - what to do?

If your credit application is turned down because of an error on your report, the lender is required to provide you with the name and address of the credit bureau that issued the report. Then, you ...Read more

Dispute Incorrect Personal Information In Your Credit Report

It is critical to first review all the personally identifying information in your credit reports, including: Names and Aliases Addresses Social Security Number Date of Birth State ID Number Spouse ...Read more

Obtain a free credit report from credit bureaus

You are eligible to receive a free copy of your credit report from any of the credit bureaus if: You have been denied credit, insurance, or employment within the past 60-days as a result of your ...Read more

Dispute inaccurate information in your credit report

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ''credit repair'' company or credit repair organization ...Read more

Credit report errors

If you find an error on your report, you should notify the credit bureau in writing immediately. The bureau is responsible for investigating and for changing or removing any incorrect data. The ...Read more

Does an employer need my permission to look at my credit report ?

Yes. Since revisions to the Fair Credit Reporting Act were passed in 1996, any employer or potential employer who wants to review your credit report must get your written permission to do so. If the ...Read more

Disclosure for free credit report

Consumer reporting agencies must provide you access to the information in your credit report, as well as identify those who have requested the information recently. There is usually a charge for each ...Read more

Prompt credit for payments and refunds for credit balances

Some creditors will not charge a finance charge if you pay your account within a certain period of time, often called a grace period. In this case, it is especially important that you get your bills, ...Read more

Fair debt collection practices act

The Fair Debt Collection Practices Act promotes the fair treatment of consumers by prohibiting debt collectors from using unfair, deceptive, or abusive practices. This act applies to professional ...Read more

Establish and protect your credit - protecting credit

Once you have obtained credit, it is necessary to protect it. This means being careful with your credit, debit, and ATM cards, as well as your account and personal identification numbers ...Read more
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