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id theft
What's A Credit Freeze And How Can I Get One?
A credit freeze is a tool to prevent ID theft for those people who believe that their information has been compromised. If an ID thief applies for credit and your report is frozen, the thief will be denied. More »
strange conversations with csrs
AT&T: Don't Worry, We Reject Everyone On The Basis Of Their Credit
Jim writes to tell us that he ordered AT&T U-Verse (it's supposed to be installed tomorrow) and was surprised to find a letter in his mailbox telling him that AT&T had decided to "Limit and/or deny the purchase of products and/or services" based on his credit report. More »
credit
Repair Your Credit By Disputing
Reader and blogger DDL sends in a story about a "friend named Max" and his successful credit repair strategy. Max raised his credit score 100 points by employing the following technique:Then, one day, Max read the provisions of the Fair Credit in Reporting Act (FCRA). The FCRA (in so many words) dictates that every person has the right to dispute the accuracy or validity of any item on their credit report with the three credit reporting bureaus (Equifax, Experian, and Transunion). From the date that each bureau receives notice of the dispute, the bureau has 30 days to investigate the dispute. If, at the conclusion of 30 days, if the bureau cannot verify the accuracy of the information in that person's credit report, or the investigation just doesn't get completed in time, the offending item is automatically deleted. Gone. Done. Case closed.More »
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Max started his journey with a credit score in the low 500s, and now, in a matter of months, it had crested above 600. Eventually, and through great discipline, Max managed to eliminate every negative item on his credit report, simply by asking for proof that they belonged there in the first place.
consumerist kit
Your Good Name: Build Credit With Loans & CD's
Here's a method from Wikihow on building up your credit and creating credit references. More »
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