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Debtor's Rights - Credit Report
A bad credit report can prevent you from obtaining credit. If you have trouble obtaining credit, it might be because a credit agency has issued a bad report on you. You might be able to obtain a copy of your report and -if it contains false information - get it corrected. Can I see my credit report? If you are denied credit, you are entitled to a free copy of the consumer credit report that formed the basis of the denial. The creditor is required to tell you the name of the credit reporting agency that prepared the report on you. You must request a copy of your credit report from the agency within sixty days of the denial. The three major credit reporting agencies are: Experian, (800) 301-7195 Equifax, (800) 525-6285 Trans Union, (800) 680-7289 When the creditor tells you the name of the reporting agency that furnished the report, call them to find out their address. Then write a letter to the agency requesting a copy of your report. Even if you have not been denied credit, it is probably a good idea to check your credit report for accuracy periodically. They often contain mistakes, and when you want to get a loan, you may not have time to correct them. Because you haven’t been denied credit, the report isn’t free. The credit reporting agency is allowed to charge you no more than $8.00 for a copy of your report. What information is in a credit report? In general, your credit report will contain information about your credit history during the last seven years. It will show: Whomyou have borrowed money from The amount of the debt Whether or not you made the promised payment on time and in full The identity of any creditor who has requested information about you If you file bankruptcy, the information remains on your credit report for ten years. What if my credit report is incorrect? You have a legal right to challenge the completeness and accuracy of any item in the report. Write a letter to the credit reporting agency explaining that some of the information in the report is incomplete or inaccurate. The agency must investigate your claim - without charge - within thirty days. The agency is required to delete any information that is inaccurate or whose accuracy cannot be verified. If the credit reporting agency’s investigation does not resolve the dispute, you have the right to send the agency a brief statement (generally 100 words or fewer) explaining your position. Your statement will become a part of your credit report and will be disclosed to creditors together with the other information in your file. If you believe a credit reporting agency has violated your rights, contact the Federal Trade Commission or see a lawyer who specializes in consumer rights. Henry Dahut. Please Visit Us at www.GotTrouble.com
Source: www.ArticlePros.com

Bankruptcy Law Firms And How To Declare Bankruptcy Effectively
Anyone considering bankruptcy as a solution to financial problems is obviously struggling to pay monthly bills With this in mind, why in the world would you want to add to this burden by hiring an expensive attorney to assist in the process of filing for bankruptcy? Well, there are some good reasons to hire a lawyer Also, you should consider specifically hiring one of the bankruptcy law firms to handle your case because they have the expertise to do so . .You already know this is a serious matter that should not be taken lightly, and going through the bankruptcy process without legal assistance simply is not a smart thing to do . . .This is especially true when you consider that the bankruptcy law has changed significantly in the last two years, and the entire process has become more complex and requires special attention from lawyers Even attorneys and judges have complained that the law is difficult to understand because Congress in all its wisdom created a law that was difficult to understand and apply . .So even if some of your friends claim that bankruptcy is an easy process to go through and that you don’t need a lawyer, you shouldn’t listen It may have been feasible to do so in the past, but going through bankruptcy without adequate legal help is not a smart thing to do when you consider the complexity of the bankruptcy reform statute You need to deal with a good bankruptcy law firm that can give you good advice such as whether you need to file for bankruptcy in the first place . .If you’re worried about the costs of hiring an attorney, that’s understandable However, you should keep in mind that this is going to have a big impact in your financial future, so this is not the time to try to save a buck Besides, filing for bankruptcy grants you an automatic stay which means that all creditors must temporarily stop trying to collect their debts In addition, a successful bankruptcy case will help you deal with your previous debts, and this will make it much easier to handle your legal costs .
Source: www.rsstnx.com