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The Credit Score |
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Credit Reporting Agencies (CRAs) do not make decisions regarding a consumer's creditworthiness. Rather, the CRA compiles reports of what your file contains and passes that along to the potential credit grantor.
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Who Has Access To My Report?
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You should know who can see your report. Anyone with a "legitimate business need" can gain access to your credit history. |
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Your Credit Application
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When creditors evaluate a credit application, they cannot lawfully engage in discriminatory practices. The Equal Credit Opportunity Act (ECOA) prohibits credit discrimination on the basis of sex, race, marital status, religion, national origin, age, or receipt of public assistance. |
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Can The Information In My Credit File Be Used For Any Other Purposes?
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Yes. The law allows the practice of generating and selling lists for use in "pre-approved" credit and insurance offers. |
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Your Debts and Debt Collectors
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You are responsible for your debts. If you fall behind in paying your creditors an error is made on your account, you may be contacted by a "debt collector." |
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More Helpful Credit Information |
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Comforting Words
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This site helps you maintain hope if you've been a victim. |
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Consumer Resource
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Your resource for consumer information from the federal government. |
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Identity Theft Testimony
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Agency says positive steps can be taken to alleviate harm. |
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On Line Credit Report
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This site gives you information about what a credit rating is. |
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