The Fair Debt Collection Practices Act (FDCPA) was enacted in 1977 to curb the abusive practices of debt collectors. The law has been used in court many times and has had many interpretations over time.

If you’ve been laid off recently, the last thing you will want to worry about is how your credit report will be affected by this temporary situation.

With 3 million people applying for unemployment benefits in the past week, you can be sure many of these people are worried about how they are going to be able to pay their bills.

Our world deals in credit. We pay for just about everything with cards rather than cash. When you pay for something with a card, that card is either linked to your bank account or to a credit account.

When you’re young, retirement seems like a stage of life that will never come. Because retirement seems so far off, many 20-somethings would rather spend their hard-earned cash in the present than stash it away in a retirement savings account.

If you’re ready to buy a home, you’ll need to do your homework on mortgage loans. There are a few basic types of loans, but you may qualify for other Credit Repair loans if you’re a veteran or have other special circumstances.

Errors are common on credit reports. In2013, an FTC report found that one in four consumers had errors on their creditreports. How do errors occur on your credit report? There are a number of ways; the credit history of someone with a similarname can find its way on to your report, in other cases, the creditors make anerror when reporting information to the credit bureaus.

Having a bad credit score can impact other areas of your life besides getting a mortgage or a credit card.  It can affect your insurance rates and your chances for employment.

Making it through college is hard enough without having to deal with student loans and debt. Luckily, we live in a world where student Credit Repair loans are easy to apply for and easy to get.