Debtor Harassment - The Basics - A Violation Of Your Rights
Saturday, February 2nd, 2008The law allows that a bill collector can call a debtor between the hours of 08:00 am and 09:00 pm
of the debtor’s time zone.
Which simply means that if the collector is calling from the state of Texas, which is in the central time zone and the debtor lives in Florida, which is in the eastern time zone, the Texas collector may only call the debtor after 07:00 am central time and before 08:00 pm central time in order to be in compliance with the Fair Debt Collection Practices Act (FDCPA).
Credit Repair - Know Your Credit Score So You Can Formulate A Good Credit Repair Plan
Monday, January 28th, 2008Before you can repair your credit, you need to understand what the credit score number actually means and where it comes from.
First of all, your credit score is a number given out by Fair Isaac Corporation. In a nutshell, this number is a guide if you will, used by creditors and lenders to determine what kind of credit risk you are. The higher your number, the better credit risk you are and the more likely it will you be to obtain credit.
Generally speaking, level of credit “worthiness” or the likelihood of getting credit based on your score is something like this:
Credit Repair Tips - Self Help
Thursday, January 17th, 2008Anything that a credit repair company can do, you can do yourself. By repairing, rebuilding and fixing your credit on your own you can not only save a lot of money but you can increase your credit scores and improve your credit through a variety of different actions. The first thing that you need to do when you are looking to repair, rebuild or improve your credit is to obtain a copy of your credit report. You are able to order your credit report for free one time per year from each of the 3 credit bureaus.
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