Maintaining Your Credit Rating - CREDIT SCORE

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TODAY'S SAVING TIP  Credit bureaus can provide information only to the following requestors: (1) creditors who are considering granting or have granted you credit; (2) employers considering you for employment, promotion, reassignment, or retention; (3) insurers ... Read more
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CREDIT SCORE: Maintaining your credit rating


A creditor may not threaten your credit rating while you're resolving a billing dispute. Once you have written about a possible error, a creditor must not release information to other creditors or credit bureaus that would hurt your credit reputation. And, until your complaint is answered, the creditor also cannot take any action to collect the disputed amount. After the creditor has explained the bill, if you do not pay in the time allowed, you may be reported as delinquent on the amount in dispute, and the creditor may take action to collect. Even so, you can still disagree in writing. Then the creditor must report that you have challenged your bill and give you the name and address of each person who has received information about your account. When the matter is settled, the creditor must report the outcome to each person who has received information. Remember that you may tell your own side in your credit record with 100-word explanation.

ADDITIONAL CREDIT SCORE RELATED FACTS

Who Calculates Credit Scores?Who Calculates Credit Scores?
What Is A Credit Score?What Is A Credit Score?
Federal Laws Protecting You And Your Credit FilesFederal Laws Protecting You And Your Credit Files
Why Is My Score Today Higher Or Lower Than It Was Yesterday? Why Is My Score Today Higher Or Lower Than It Was Yesterday?
Do Creditors Use Credit Scoring To Evaluate My Credit Record?Do Creditors Use Credit Scoring To Evaluate My Credit Record?
What’s In Your ScoreWhat’s In Your Score
Establish A Good Credit HistoryEstablish A Good Credit History
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