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| Under the FACT Act amendments to the
Fair Credit Reporting Act, you are entitled to one free Personal Credit Report in a 12
month period. To request this free annual report online, by phone, or mail, visit: www.annualcreditreport.com or contact the following credit bureaus directly: Experian Credit: 800-301-7195 Equifax Credit: 800-685-1111 Trans Union: 800-916-8800 |
In America today, many individuals and their families are experiencing financial challenges. They are facing debt, no savings, lack of income, and no plans for their financial future. Surveys have shown approximately half of all divorces are a result of financial tensions within the family.
If you are one of those individuals or a family in that position, you have found the right place to get back on solid financial grounds. Use the SEARCH option below to explore this RepairCreditAmerica.com site.
Bookmark this site and the topics within for reference as your financial situation improves. We are adding new information all the time!
We cover a broad range of financial topics, including information about; credit cards, credit reports, credit scores, home equity loans, mortgage loans, payday loans, apply for credit cards, bankruptcy, credit repair, and low interest credit cards.
If you are interested in submitting information to us --
What is a Credit Bureau Freeze or a Security Freeze?
Credit Bureau Freeze or Security Freeze is a consumer-initiated request to help prevent fraud by restricting access to the consumer's credit bureau. Even someone who has the customer's name and Social Security number would probably not be able to get credit in the customer's name. >>>
Borrowing After Bankruptcy; Be Prepared to Finance Your New Business Venture
After bankruptcy, the bankruptcy will count against you when a financial institution evaluates your new loan application credit worthiness. >>>
Know When to Hold 'em; Secured Credit Cards Can be a Valuable Tool But Check The Fine Print by Maryanna Lewyckyj
The way I see it, credit card issuer Capital One may think some folks are just dying to get a MasterCard. That's one explanation why a "guaranteed approval" MasterCard application was sent to my father, who passed away Feb. 3, 2004. >>>
Secured Credit Cards Have Their Own Risks by Eileen Muhlig
A secured credit card serves a real purpose for someone who has had credit problems and is looking for a way to rebuild a strong credit repayment history. With time and a positive payment history, a lender may convert a secured card to a regular credit card. >>>
Evaluate Credit Card Offers Carefully Consumer Alert
Credit card offers touting low annual percentage rates or balance transfer deals may look tempting, but Attorney General J. Joseph Curran, Jr. says many consumers find that the low interest rate doesn't last or they are hit with unexpected fees after getting the cards. The latest issue of Curran's Consumer's Edge newsletter explores the "catches" in credit card offers. >>>
Opt-out of Unsolicited Credit Card Offers
When you look at your credit report, you may be surprised to see how many companies have reviewed it, without your prior approval, in order to make unsolicited or promotional offers to you by mail -- for credit cards and the like. >>>
