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Checking Your Credit History A creditor will often check your credit history with a credit bureau. If you want to know what s in your credit file, contact the credit bureaus listed in the Yellow Pages under credit or credit rating and reporting. Because more than one bureau may have a file on you, call each until you locate all the agencies maintaining your file. The three major national credit bureaus are: american debt solution

Equifax, P.O. Box 740241, Atlanta, GA 30374-0241; (800) 685-1111 Experian (formerly TRW), P.O. Box 949, Allen, TX 75013; (888) EXPERIAN (397-3742). Trans Union, P.O. Box 390, Springfield, PA 19064-0390; (800) 916-8800. There s no charge for your report if a company takes adverse action against you based on your credit report such as denying your application for credit, insurance, employment, or rental housing and your request your report within 60 days of receiving the notice of the action. The notice will give you the name, address, and phone number of the credit bureau that supplied the information. In addition, you re entitled to one free report a year if you can prove that (1) you re unemployed and plan to look for a job within 60 days, (2) you re on welfare, or (3) your report is inaccurate because of fraud. Otherwise, a credit bureau may charge you up to $8 for a copy of your report. credit debt counseling

You may find that your file doesn t list all of your credit accounts. That s because not all creditors report to credit bureaus. You may ask that additional accounts be reported to your file. Some bureaus may charge for this service. student loan debt

Credit information about shared accounts should be reported in your name and your spouse s. If it s not, ask the creditor in writing to report the account in both names. Establishing a Credit History If you re denied a loan or credit card because you have no credit history, consider establishing one. The best way is to apply for a small line of credit from your bank or a credit card from a local department store. Make sure you list your best financial references. Make payments regularly and make certain the creditor reports your credit history to a credit bureau. green path debt solution

If Your Spouse Dies Under the ECOA, a creditor cannot automatically close or change the terms of a joint account solely because of the death of your spouse. A creditor may ask you to update your application or reapply. This can happen if the account was originally based on all or part of your spouse income and if the creditor has reason to believe your income alone cannot support the credit line. consolidation debt debt free

After you submit a re-application, the creditor will determine whether to continue to extend you credit or change your credit limits. Your creditor must respond in writing within 30 days of receiving your application. During that time, you can continue to use your account with no new restrictions. If you re application is rejected, you must be given specific reasons, or told of your right to get this information. debt free

These protections also apply when you retire, reach age 62 or older, or change your name or marital status. Kinds of Accounts It s important to know what kind of credit accounts you have, especially if your spouse dies. There are two types of accounts individual and joint. You can permit authorized persons to use either type. An individual account is opened in one person s name and is based only on that person s income and assets. nonprofit debt solution

If you re concerned about your credit status if your spouse should die, you may want to try to open one or more individual accounts in your name. That way, your credit status won t be affected. When you re applying for individual credit, ask the creditor to consider the credit history of accounts reported in your spouse s or former spouse s name, as well as those reported in your name. The creditor must consider this information if you can prove it reflects positively and accurately on your ability to manage credit. For example, you may be able to show through canceled checks that you made payments on an account, even though it s listed in your spouse s name only. debt service non profit

A joint account is opened in two people s names, often a husband and wife, and is based on the income and assets of both or either person. Both people are responsible for the debt. Account Users If you open an individual account, you may authorize another person to use it. If you name your spouse as the authorized user, a creditor who reports the credit history to a credit bureau must report it in your spouse s name as well as in yours (if the account was opened after June 1, 1977). A creditor also may report the credit history in the name of any other authorized user. debt consolidation services

If You re Denied Credit The ECOA does not guarantee you ll get credit. But if you re denied credit, you have the right to know why. There may be an error or the computer system may not have evaluated all relevant information. In that case, you can ask the creditor to reconsider your application. If you believe you ve been discriminated against, you may want to write to the federal agency that regulates that particular creditor. Your complaint letter should state the facts. Send it, along with copies (NOT originals) of supporting documents. You also may want to contact an attorney. You have the right to sue a creditor who violates the ECOA. debt reduction solution

National Banks Comptroller of the Currency Compliance Management, Mail Stop 7-5 Washington, D.C. 20219 State Member Banks of the Reserve System Consumer and Community Affairs Federal Reserve Board 20th C Sts., N.W. Washington, D.C. 20551 Federal Credit Unions National Credit Union Administration 1776 G St., N.W. Washington, D.C. 20456 Non-Member Federally Insured Banks Office of Consumer Programs federal debt consolidation

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- Find out how much you can borrow: Debt Solutions New Personal Loan Gold Service Debt Solutions See your credit score: Debt Solutions Sponsored Links webbot bot="HTMLMarkup" startspan webbot bot="HTMLMarkup" endspan Advertisements Promising Debt Relief Washington, D.C. -- Debt got you down You e not alone. Consumer debt is at an all-time high. What more, record numbers of consumers more than 1 million in 1996 are filing for bankruptcy. Whether your debt dilemma is the result of an illness, unemployment, or simply overspending, it can seem overwhelming. In your effort to get solvent, be on the alert for advertisements that offer seemingly quick fixes. While the ads pitch the promise of debt relief, they rarely say relief may be spelled b-a-n-k-r-u-p-t-c-y. And although bankruptcy is one option to deal with financial problems, it generally considered the option of last resort. The reason: its long-term negative impact on your creditworthiness. A bankruptcy stays on your credit report for 10 years, and can hinder your ability to get credit, a job, insurance, or even a place to live. debt financial solution

The Federal Trade Commission cautions consumers to read between the lines when faced with ads in newspapers, magazines or even telephone directories that say: Consolidate your bills into one monthly payment without borrowing. STOP credit harassment, foreclosures, repossessions, tax levies and garnishments, Keep Your Property. Wipe out your debts! Consolidate your bills! How By using the protection and assistance provided by federal law. For once, let the law work for you! debt recovery services

You l find out later that such phrases often involve bankruptcy proceedings, which can hurt your credit and cost you attorneys fees. If you e having trouble paying your bills, consider these possibilities before considering filing for bankruptcy: Talk with your creditors. They may be willing to work out a modified payment plan. Contact a credit counseling service. These organizations work with you and your creditors to develop debt repayment plans. Such plans require you to deposit money each month with the counseling service. The service then pays your creditors. Some nonprofit organizations charge little or nothing for their services. online debt consolidation

Carefully consider a second mortgage or home equity line of credit. While these loans may allow you to consolidate your debt, they also require your home as collateral. If none of these options is possible, bankruptcy may be the likely alternative. There are two kinds of personal bankruptcy: Chapter 13 and Chapter 7. Each must be filed in federal court. The current filing fee is $160. Attorney fees are additional and can vary widely. The consequences of bankruptcy are significant and require careful consideration. debt collection solution

Chapter 13, also know as a reorganization, allows you to keep property, such as a mortgaged house or car, that you otherwise might lose. Reorganization may allow you to pay off a default during a period of three to five years, rather than surrender any property. debt relief services

Chapter 7, known as a straight bankruptcy, involves liquidating all assets that are not exempt in your state. Exempt property may include work-related tools and basic household furnishings. Some property may be sold by a court-appointed official or turned over to creditors. You can file for Chapter 7 only once every six years. Both types of bankruptcy may get rid of unsecured debts and stop foreclosures, repossessions, garnishments, utility shut-offs, and debt collection activities. Both also provide exemptions that allow you to keep certain assets, although exemption amounts vary among states. Personal bankruptcy usually does not erase child support, alimony, fines, taxes, and some student loan obligations. Also, unless you have an acceptable plan to catch up on your debt under Chapter 13, bankruptcy usually does not allow you to keep property when your creditor has an unpaid mortgage or lien on it. debt recovery solution llc

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When You Apply For Credit, A Creditor May Not... Discourage you from applying because of your sex, marital status, age, race, national origin, or because you receive public assistance income.?Ask you to reveal your sex, race, national origin, or religion. A creditor may ask you to voluntarily disclose this information (except for religion) if you e applying for a real estate loan. This information helps federal agencies enforce anti-discrimination laws. You may be asked about your residence or immigration status.?/p>

Ask if you e widowed or divorced. When permitted to ask marital status, a creditor may only use the terms: married, unmarried, or separated.?Ask about your marital status if you e applying for a separate, unsecured account. A creditor may ask you to provide this information if you live in community property states: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, and Washington. A creditor in any state may ask for this information if you apply for a joint account or one secured by property.?/p>

Request information about your spouse, except when your spouse is applying with you; your spouse will be allowed to use the account; you are relying on your spouse income or on alimony or child support income from a former spouse; or if you reside in a community property state.?/p>

Inquire about your plans for having or raising children.?Ask if you receive alimony, child support, or separate maintenance payments, unless you e first told that you don have to provide this information if you won rely on these payments to get credit. A creditor may ask if you have to pay alimony, child support, or separate maintenance payments.?When Deciding To Give You Credit, A Creditor May Not... debt problem

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