Pidiendo su Reporte de Credito

Entendiendo el sistema de crẻdito   Escribo esto para ayudar a todos consumidores que son nuevos a este paỉs.  En los EEUU, hace falta el buen crẻdito es necesario para comprar una casa o carro [al menos que seas muy rico y no tengan que aplicar para crẻdito]. El crẻdito es un sistema donde tres…

Wells Fargo Phantom Accounts

Wells Fargo Phantom Accounts

It should come as no surprise that Wells Fargo was just fined millions because a group of over 5,000 employees created phantom accounts to meet corporate goals.  While we need honest employees especially at a bank, it still points to a bigger problem:  No management members or executive leaders have been held accountable. This is…

Victim of Mortgage Fraud?

Victim of Mortgage Fraud?

  VICTIM OF MORTGAGE FRAUD?  Living in Florida, we know there is a high level of mortgage fraud. Many mortgage brokers and lenders initially just want to talk to you on the telephone. They sometimes mislead consumers into providing personal information so that they can be quoted a rate on a loan. Often times, your…

FDCPA – Your Rights

FDCPA – Your Rights

Under various State and Federal laws, Debt Collection Agencies are strictly regulated to protect consumers. That’s where our firm wants to help. Most consumers already know that a debt collection agency is prohibited from abusing you on the phone or in writing–what many don’t know is that they have a lot of additional rights. For…

Understanding the Credit System

Understanding the Credit System In this country, so much emphasis is placed on the credit system, yet it remains very mystical to so many consumers. Well, it is time to reveal to you the information the credit reporting agencies may not want you to know – your rights. To keep it simple, for Floridians, there…

What is in a Credit Score?

What is in a Credit Score? Your credit score is based on a secret mathematical formula owned by a company called the Fair Isaac Company [FICO]. Your score is like a snap shot of where you are today. The score varies from time to time and for various reasons – usually the maximum score is…

Life After Bankruptcy

Life After Bankruptcy Okay, you filed for bankruptcy, got a discharge now what? How do you get your good credit back? There are really two parts to this process. First, you need to make sure your credit report is accurate and no discharged accounts appear as still due and owing. Second, you need to make…

Credit Repair Organizations – Beware!

Credit Repair Organizations – Beware! Did you know that companies who promise to fix your credit for money are called Credit Repair Organizations (“CROs”) and are mainly governed by the Fair Credit Reporting Act (FCRA – 15 U.S.C. S 1681) and the Credit Repair Organizations Act (15 U.S.C. S 1679)? There is also a variety…

FCRA – Your rights

FCRA – Your rights

FCRA – Your rights If you’ve ever applied for a charge account, a personal loan, insurance, or a job, someone is probably keeping a file on you. This file might contain information on how you pay your bills, or whether you’ve been sued, arrested, or have filed for bankruptcy. Debt collectors often use the effects…