Credit Facts - Credit facts that will surprise you. Sue Creditors - Suing Creditors, Credit Bureaus and Collection Agencies Finance Code - CHAPTER 393. CREDIT SERVICES ORGANIZATIONS. City Credit Scores - Best and worst cities for credit scores.
Debt Not Always Bad - More debt isn't always a bad thing. Guard Your Identity - How To Guard Your Identity. Mortgage Terminology - Understanding the terminology of the mortgage industry. Home Tax Shelter - Home Sweet Home… Your greatest tax shelter. Finance Terminology - Undertanding the terminology of the finance industry. Boost Your Credit Score - Steps you can take to increase your credit score. FICO Score - What's in Your FICO Score? Establishing Credit - Where you can go to get help establishing credit. Vantage Score System - Details about the new (2006) credit scoring system Online Credit Scores Often Differ From FICO Scores - Why there is often a difference between online and FICO credit scores. How to Improve Your Credit - If you have credit problems, be prepared to discuss them honestly with a mortgage professional. Your Credit Report - Understand how a mortgage company company views your credit information. Credit Scoring and How it Works - Credit scoring, also known as FICO scoring, is a statistical method of assessing the credit risk of a loan applicant. Credit Profile - A credit profile outlines your credit history as it has been reported to the credit reporting agencies by lenders who have extended credit to you. Credit Reporting Agencies - Contact information for all three credit reporting agencies - Experian - TransUnion - Equifax. Credit Grade - Mortgage companies often grade your loan application based on credit related items such as payment history, amount of debt payments, bankruptcies, equity position, and your credit score. Other Credit Factors - Mortgage companies look at other information besides your credit score and credit profile before deciding whether to approve your mortgage. Know the Score About Your Credit Rating - Learn about the importance of keeping up with your credit rating. How to Fix Credit Report Errors - You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file. Steps to Take After Being Denied a Loan - Here are some steps you can take before you give up on obtaining new or additonal credit. Improve Your Bad Credit - If you had a problem that's been corrected, and your payments have been on time for a year or more, your credit may now be considered satisfactory. Establish a Credit History - What you can do to increase your chances of being approved for a credit mortgage. How to Prevent Identity Theft - How to avoid being one of the 40,000 consumers each year who are victums of this serious fraud.
