Articles & News About Getting Cash Loans

Credit Repair - Your Rights Under the FCRA

The Fair Credit Reporting Act (FCRA) is a federal law that was originally passed by Congress in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs). It was last amended in December of 2003.

The FCRA allows a consumer to challenge the information on his credit report on the basis of completeness and accuracy. The FCRA also allows consumers to order a full copy of their credit report from any credit reporting agency. At first, consumers had to pay for these credit reports, but under the Fair and Accurate Credit Transactions Act (FACTA) amendment, everyone is entitled to one free copy of his or her credit report every 12 months from each of the big three CRAs. Furthermore, if information on your credit report was used to deny you credit, the FCRA says you have a right to a free copy of that report from the CRA in question.

You have many other rights under the FCRA such as protection from identity theft by placing a fraud alert that can last from 90 days to 7 years on your credit reports. But, perhaps the most important rights you have under the FCRA and the reason for this article is your right to dispute inaccurate and erroneous information on your credit report.

You can dispute anything on your credit report, including bankruptcies, charge-offs, collections, foreclosures, judgments, late payments, repossessions and tax liens. Consumers should also look for incorrect personal information such as incorrect names, birth dates, addresses, former addresses, social security numbers, aliases, spouses name, etc. Why is this so important? Keep reading.

A study released by the U.S. Public Interest Research Group in June 2004 found that 79% of the consumer credit reports surveyed contained some kind of error or mistake. Consumers may seek a maximum of $1000 in statutory damages, plus actual damages, punitive damages and reasonable attorney's fees and costs for willful noncompliance with the Act. Any consumer may file suit in state or federal court to enforce the Act.

Find out how you can raise your credit score by learning the best credit repair techniques.

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Student Consolidation Loans: The Solution To Cash Flow Problems
Sometimes, what makes student debt so frustrating is the fact that if one did not have to pay so much money on interests, the income would be good enough to cover all the other expenses. In other words, the interests on debt prevent students from having a good standard of living and enjoying their youth. It does not seem fair that one should have to cut on recreation expenses due to high and sometimes abusive interest rates. If this also forces students to cut one essential expenses such as food, transportation, studying material, etc. the whole point of student financing becomes just an excuse for exploitation.

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Loan Modification A Second Chance Offer - Stop Foreclosure Now
Loan modification is a term very unfamiliar to homeowners but not for very long. What most people are coming to realize is that losing their house to foreclosure is becoming a real possibility. Homeowners are feeling the crunch of higher interest rates and a slowing economy. A loan modification may be the only way for a homeowner to save the biggest investment of their life, their home. Negotiating with the bank for a modification of your home loan can be an overwhelming process. That is why hiring a loan modification company is of extreme importance. National Modification Corp is the company that can rescue you from your high monthly payments.

Secured Credit Cards
One of the most important financial factors in our society is whether a person has good credit. Credit cards are not always easy to acquire when you have no credit history, many lenders will shy away from a person that has never had credit due to the fact that they don?t know if you are responsible enough to pay off a credit card bill. The case is true as well for people that have had very bad credit in the past and now are finally done with their debts. Many people need credit cards to start growing their credit card rating again, but most banks don?t want to take a chance. What can people do in these situations? The answer is simple- secured credit cards.

Internet Poker - Taking Cash Games To A Whole New Level
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Considering A Payday Loan? Here's How To Read The Payday Loan Agreement
Fast cash advances are very popular, and can be a great way of dealing with financial emergencies When you are short on cash and between pay periods, one of the most popular ways to gain access to funds is to take out a payday loan (aka a cash advance, paycheck loan, or pay loan)

Harland Clarke Wins Award for Its First Clear Visa® Debit Card : Card Designed for Alabama State Employees Credit Union Receives Élan Award for Best
The International Card Manufacturers Association (ICMA) recently awarded top honors to Harland Clarke for its first clear Visa® check card created for a financial institution. The see-through card was designed by Harland Clarke for Alabama State Employees Credit Union, and printed in partnership with Oberthur Technologies of America Corp. The clear card was created to support the 27,000-member credit union?s ClearChecking? program.

Be Smart With A Credit Card And Use It Wisely
Owning a credit card is something that can be a very positive thing? as long as it is used responsibly. There are many ways for people to use credit cards to their advantage, but there are also ways for credit cards to get people into financial trouble. By following a few simple tips related to managing credit card usage, a credit card can be a very beneficial piece of plastic to own.

Don't Let The Credit Crunch Smash College Dreams
eLearners.com's Debt-Free College Guide Offers a Comprehensive Database with Student Loan Alternatives Including Scholarships, Grants and Loan Forgiveness Programs

Easy Car Loan Tips
If you?re looking to finance for a new car purchase, then you need to do some substantial amount of research. Before going out and signing the paperwork in a car dealership uninformed, let us first take a look at some pointers that?s going to make the easy car loan process as smooth as possible.

14 Common Credit Mistakes
Establishing credit and wisely managing your credit becomes easier when you know how. You'll feel empowered by taking knowledgeable steps towards good credit, and you'll be on your way to purchasing real estate and greater financial freedom.

Mortgage Cycling – Brilliant or Risky
With mortgage rates near 20-year lows, competition in the mortgage industry is fierce. It seems like every day a new mortgage loan strategy comes out that is suppose to be the best thing since sliced bread.

How To Get The Construction Loan You Need
Being able to move into your new house is a great day. Knowing that you got the right construction loan to do it will help you sleep at night after you move in. With so many choices available today, it could be difficult to know where you should start looking and what features are the best. Here are a few tips for you to enable you to find a good deal on your construction loan.