Archive for October 2009

False credit information?

Tom V asked: When someone tried to get my credit report online for security purposes it asked to verify the mortgage I may have opened and its terms. They said I didn’t own a house and one of the major credit bureaus rejected them claiming I must own a house. My mom asked my cousin [...]

The Fair Credit Reporting Act Guards Potential Home Buyers From Errors

Karen B asked: The Fair Credit Reporting Act, or FCRA, was made into law by Congress to make sure that the information on your credit report is legitimate. This Act gives you, as the consumer, many rights that you may not be cognizant of. This is key as a homeowner or as a potential home [...]

Before You Get A Credit Report Know This

John Mcfadden asked: Getting your free credit report online is not easy straight forward you you might think, there are plenty of things you need to know – like being aware of the current scams in the targeting consumers, you need to get the 3 credit reports from all three major Credit Bureaus, you need [...]

Can a collection agency post negatively to your credit report without your social security number?

John asked: I received a letter from a collection acency asking to pay a debt from an online scam site. They don’t have my credit card or SSN but they do have my name and address. Can they really find my SSN and post on my credit report? Or are they trying some scare tactic [...]

Do i need a credit card ?

JuJu Bean asked: Do i need to have a credit card in order to have a credit report or to view my credit report online ?CASEY