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Refinance Loan Payment Calculator

This mortgage calculator helps determine your monthly payments for a refinance loan.

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Credit Repair Information

 

 

 

Credit Repair Information

 

 

 The Federal Trade Commission has elaborate information on how to help yourself on your credit score.

 

You can view the full information using the following link:


http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm



 

 

 

A summary is as follows:

 

 

1. Recognize a Credit Repair Scam

Companies actively market their ability to help your credit score. However, most of these are potential scams. Companies do not have more tools than you, as a consumer, to help your credit score.

In fact,  you can repair your own credit rather than pay a company that advertises special tools.

 

 

 

 

2. Your Rights

A. The right to receive a free copy of your credit report.

 

B. The right to know who requested your credit report within a 12 month period for most reasons, and 24 months for those who requested it for employment purposes.

 

C. The right to a free copy of your credit report if you are ever denied for an application of credit. Please note that your request for this copy must be made within 60 days of the denial.

 

 

 

 

3. Help Yourself

Draft a letter and send the dispute to the bureaus. Below is a sample of the letter, based off of one provided by The Federal Trade Commission http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm

 


 courtesy: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm

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