Eloan Offers some credit cards with very low rates.
www.debtworkout.com/altcc.html Dedicated to helping debtors and others with credit problems to
obtain either a secured or unsecured credit card for the purpose of
re-establishing good credit.
Google Search On The Lowest Rates
Get the best savings for auto loans, credit cards,
savings accounts and CD's, home equity loans & mortgages and unsecured
credit lines.
Credit Scores (Consumer-SOS)
A good credit score is like having a good SAT score. If your score is
high, creditors love you and will give you cheap rates. If your
score is low, you'll have to work twice as hard just to get the loan.
See How To improve it!
5
Steps To Credit Repair
Rebuilding Your Credit Rating through correcting errors, negotiating with
creditors and adding pertinent information to your credit file.
State
& Federal Laws Governing Credit Matters (All 50 States)
Select your state and see what additional protections your state offers in
addition to federal law. For federal laws, scroll down to their federal
section and click on the link of your choice.
You Should Always Order All Three Credit Reports As One of Them
Could Contain Wrong Information Not Found On The Others.
Credit Scores (Consumer-SOS)
A good credit score is like having a good SAT score. If your score is
high, creditors love you and will give you cheap rates. If your
score is low, you'll have to work twice as hard just to get the loan.
One Spot To Order All 3 Credit Reports
Order a free credit credit report on line, by
phone or by
mail from each of the nationwide consumer credit reporting companies:
Equifax, Experian and TransUnion.
TransUnion
Can order credit reports by phone or by mail. Reports are free if you've
been denied credit in the last 60 days, live on welfare or suspect
fraudulent items on your credit report. Colorado, Georgia, Maryland,
Massachusetts, New Jersey and Vermont residents are automatically
entitled to a free report regardless of their circumstances.
Experian
Can order free copies of your credit report online if you've been denied
credit in the last 60 days, live on welfare or suspect fraudulent items on
your credit report. Colorado, Georgia, Maryland, Massachusetts, New Jersey
and Vermont residents are automatically entitled to a free report
regardless of their circumstances.
Equifax
(Scroll Down Page for Free Credit Report Info)
Can order free copies of your credit report by phone if you've been
denied credit in the last 60 days, live on welfare or suspect fraudulent
items on your credit report. Colorado, Georgia, Maryland, Massachusetts,
New Jersey and Vermont residents are automatically entitled to a
free report regardless of their circumstances. For a fee you can also
order your credit report online.
Get
Your Free Credit Score. E-loan will
give you your one time free credit score just for filling out a loan profile.
There is no requirement to apply for a loan, and no fee for the service --
just log on and answer a few questions about the kinds of credit information
that would be useful to you. Then, fill in your name, your Social Security
number, your address, and the first six digits of any credit card account or
installment loan you have. Within a few hours, you have the same number that
lenders use to determine just how fast they'll say yes to your loan
application.
Credit Scores (Consumer-SOS)
A good credit score is like having a good SAT score. If your score is
high, creditors love you and will give you cheap rates. If your
score is low, you'll have to work twice as hard just to get the loan.
http://mix6.com/credit/credit.html#TOC A great site on the ins and outs of credit and credit reports.
Learn how to challenge credit reporting errors, order your free credit
report on line and what your credit report can and can't be used for.
It also tells you how to rebuild and improve your credit, supplies
sample form letters, tells you about the laws that control debt collectors
and has lots of valuable help agencies.
Back To Top
http://mix6.com/credit/credit.html#TOC A great site on the ins and outs of credit and credit reports.
Learn how to challenge credit reporting errors, order your free credit
report on line and what your credit report can and can't be used for.
It also tells you how to rebuild and improve your credit, supplies
sample form letters, tells you about the laws that control debt collectors
and has lots of valuable help agencies.
Where To Go For Help Getting help from the government, non-profits and the media.
State
& Federal Laws Governing Credit Matters (All 50 States)
Select your state and see what additional protections your state offers in
addition to federal law. For federal laws, scroll down to their federal
section and click on the link of your choice.
http://mix6.com/credit/credit.html#TOC A great site on the ins and outs of credit and credit reports.
Learn how to challenge credit reporting errors, order your free credit
report on line and what your credit report can and can't be used for.
It also tells you how to rebuild and improve your credit, supplies
sample form letters, tells you about the laws that control debt collectors
and has lots of valuable help agencies.
Fair
Credit Reporting Act
Establishes procedures for correcting mistakes on an
individual's credit record. A credit record may be retained seven years
for judgments, liens, suits and other adverse information except for
bankruptcies, which may be retained ten years. If a consumer has been
denied credit, a free credit report may be requested within 30 days of
denial.
Fair Credit Billing
Act
Establishes procedures for the prompt correction of errors
on open-end credit accounts. It also protects a consumer's credit rating
while the consumer is settling a dispute.
Where To Go For Help Getting help from the government, non-profits and the media.
Federal
Trade Commission (Online Complaint Form)
The FTC regulates credit reporting agencies and can impose fines and other
penalties.
On their drop box next to "Subject of Your complaint" Choose
"Credit Reports" or whatever your problem is.
Banks
& Credit Unions (Consumer-SOS)
If your credit card issue is a bank or credit union, find out who
regulates them.
Find
Your Local Newspaper, Magazine, Radio & TV Stations
Give them a little bad press and you're bargaining power increases
tremendously. Select your state, and then click on your county or city for
the proper media to report to. (DC Not Included). Find The AARP
In Your State
The AARP offers legal advocacy for seniors and may also have state
specific consumer brochures which are available to everyone.
National Help Orgs For A Variety Of Consumer Problems
The Elderly, Environment, Families, Fraud, Health & Safety, Insurance
The Handicapped, Medical Problems, Telemarketing and more.
Credit
Card Freedom Page Learn how to negotiate for lower rates, calculate the cost of credit
and manage your debt. Find out how to avoid late fees and use balance
transfers to your advantage. Organize your debt with the debt charts
they provide.
Bartering For Goods or
Services When You have No Cash
You can improve your chances for finding someone willing to
barter with you if you focus on an equitable trade, are upfront and detailed
with barter terms and are willing to get creative. Check out the sites below.
Negotiating
With Creditors (Before Settlement) What every debtor should know
before negotiating with their creditors.Learn about the risks and realities of being in debt, the
importance of statutes of limitation, and how long a debt can remain on
your credit report.
Frequently
Asked Questions on Owing Money & Debt Collection Find out things
like: How long before your overdue bill is sent to a collection agency?
Whether a credit card company or the IRS can force the sale of your home
in order to pay your bill? And what to do if you think a debt collector
has violated the law?
Basic Debt Collection and Consumer Protection In Georgia
How creditors can and cannot collect debts.
See situation # 9 and #10 for Auto Repossession.
This document describes the law relating to debt collection and basic
consumer protection laws.
Fair
Debt Collection Practices Act (Regulates Debt Collectors)
Describes what debt collectors may and may not do if you
owe money. It applies only to third party debt collectors (i.e.,
collection agencies), or those who use a name other than their own in
collecting consumer debts. Very few commercial banks, savings banks,
savings and loan associations, or credit unions are covered by this Act,
since they usually collect only their own debts. Complaints concerning
debt collection practices, such as harassment or abuse, should generally
be filed with the Federal Trade Commission.
Using The Fair Debt Collection Practices Act Debt Collection Letter
Use this letter to ask collection agencies to provide you with information
concerning their basis for claiming that you owe a debt ("verification of
the debt") and also ask them to stop contacting you. This only applies to
collection agencies, not to creditors who directly sold you goods or gave
you credit or loaned you money.
Fair
Credit Reporting Act
Establishes procedures for correcting mistakes on an
individual's credit record. A credit record may be retained seven years
for judgments, liens, suits and other adverse information except for
bankruptcies, which may be retained ten years. If a consumer has been
denied credit, a free credit report may be requested within 30 days of
denial.
Fair Credit Billing
Act
Establishes procedures for the prompt correction of errors
on open-end credit accounts. It also protects a consumer's credit rating
while the consumer is settling a dispute.
Where To Go For Help Getting help from the government, non-profits and the media.
State
& Federal Laws Governing Credit Matters (All 50 States)
Select your state and see what additional protections your state offers in
addition to federal law. For federal laws, scroll down to their federal
section and click on the link of your choice.
Back To Top
I am writing pursuant to the
Fair Debt Collection Practices Act, 15 USC 1692g, to
inform you that I dispute the alleged debt associated with FRG
Number 167790-120209 relating to the
health care plan
administered by Paradox Inc.
This is the first letter I received
regarding this alleged debt.
I do not believe I owe the amount alleged in your letter.
Thus, I am requesting that you provide the following
information:
Please explain the nature of the alleged debt - that is,
what the money I allegedly owe is for;
Please provide an accounting explaining how you calculated
what you allege I owe;
Please provide me with copies of any contracts or
documents which form a basis for the alleged debt; and any
documentation giving you legal authority to collect the
alleged debt; and
Please provide me with the name and address of the
original creditor.
I further request that you take the following actions:
If you have contacted any credit agencies regarding this
alleged debt, please inform them that I am disputing the
debt;
Please also forward a copy of this letter to the
creditor who alleges that I owe the debt at issue, and
inform them that I am disputing the debt.
Please send me copies of any documents or correspondence
generated from #1 and #2.
Any further contact should be made solely in writing, and
should be submitted to my home address by mail.
Basic Debt Collection and Consumer Protection In Georgia
How creditors can and cannot collect debts.
See situation # 9 and #10 for Auto Repossession.
This document describes the law relating to debt collection and basic
consumer protection laws.
Fair
Debt Collection Practices Act (Regulates Debt Collectors)
Describes what debt collectors may and may not do if you
owe money. It applies only to third party debt collectors (i.e.,
collection agencies), or those who use a name other than their own in
collecting consumer debts. Very few commercial banks, savings banks,
savings and loan associations, or credit unions are covered by this Act,
since they usually collect only their own debts. Complaints concerning
debt collection practices, such as harassment or abuse, should generally
be filed with the Federal Trade Commission.
Using The Fair Debt Collection Practices Act Debt Collection Letter
Use this letter to ask collection agencies to provide you with information
concerning their basis for claiming that you owe a debt ("verification of
the debt") and also ask them to stop contacting you. This only applies to
collection agencies, not to creditors who directly sold you goods or gave
you credit or loaned you money.
Fair
Credit Reporting Act
Establishes procedures for correcting mistakes on an
individual's credit record. A credit record may be retained seven years
for judgments, liens, suits and other adverse information except for
bankruptcies, which may be retained ten years. If a consumer has been
denied credit, a free credit report may be requested within 30 days of
denial.
Fair Credit Billing
Act
Establishes procedures for the prompt correction of errors
on open-end credit accounts. It also protects a consumer's credit rating
while the consumer is settling a dispute.
State Caps On Interest Rates/Usury (All 50 States & DC)
Careful! These caps may not apply to national and federally
chartered banks, pawnshops, payday loans, rent to own contracts, and
certain other lenders.
Note: Credit card rates are limited by the usury laws found in the
lender's home state and not in that of the borrower's.
State
& Federal Laws Governing Credit Matters (All 50 States)
Select your state and see what additional protections your state offers in
addition to federal law. For federal laws, scroll down to their federal
section and click on the link of your choice.
Soldiers' and Sailors' Relief Act:
If you're a reserve component service member called to active duty, you're
protected by a law that can save you some legal problems and possibly some
money as well. Under the provisions of the Soldiers' and Sailors' Civil
Relief Act of 1940, you may qualify for any or all of the following: •
Reduced interest rate on mortgage payments. • Reduced interest rate on
credit card debt. • Protection from eviction if your rent is $1,200 or
less. • Delay of all civil court actions, such as bankruptcy, foreclosure
or divorce proceedings.
www.debtworkout.com/altcc.html
A Website site dedicated to helping debtors and others with credit
problems to obtain either a secured or unsecured credit card for the
purpose of re-establishing good credit.
Fair Credit Billing
Act
Establishes procedures for the prompt correction of errors
on open-end credit accounts. It also protects a consumer's credit rating
while the consumer is settling a dispute.
Fair
Credit Reporting Act
Establishes procedures for correcting mistakes on an
individual's credit record. A credit record may be retained seven years
for judgments, liens, suits and other adverse information except for
bankruptcies, which may be retained ten years. If a consumer has been
denied credit, a free credit report may be requested within 30 days of
denial.
