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Articles about or concerning Credit Tips, Improving Credit Scores, Credit Agencies, Credit Building Tips, Credit Repair, Credit Agencies, and anything related to offering advice on Credit.
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Follow These 7 Steps to Fix Bad Credit

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 Patricia C Jordan (July 29, 2008)  Good Credit Is Essential In Today's World When you have bad credit it seems like everyone slams the door in your face when you try to obtain and kind of financing or lending. Or they want to charge you an outrageous interest rate because they know that your options are slim to none. If you ever want to buy a home, a car, get a credit card, or apply for certain types of jobs, you need to . (Credit Tips)

Bad Credit Repair Takes a Little Time and Effort

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 Patricia C Jordan (July 29, 2008)  Repairing bad credit may seem like a daunting task, but it just takes a little bit of knowledge, effort, and time. This article will give you a little more guidance on your journey to repair bad credit. Good Credit Is Essential Having bad credit may leave you with a bad taste in your mouth and feelings of guilt, shame, or plain old confusion. Many people have no clue how credit works .. (Credit Tips)

The Simple Steps of Credit Repair

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 Patricia C Jordan (July 29, 2008)  Get better interest rates and lending terms with a little bit of credit repair. Your credit report is going to be checked by everyone before they decide whether or not to do business with you, so credit repair should be the first thing on your mind if your credit is damaged. You need good credit to purchase a home, a car, or any other large purchase that you can't afford to pay for in .. (Credit Tips)

Credit Repair and Mortgage Loans

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 Herschel Bentley (July 28, 2008)  Are you renting and wanting to buy a home? Have you decided it's time to buy that big house because you've got a couple more kids than a few years ago? Or, maybe you're looking at downsizing, the kids have moved out and you want to get a small villa on the golf course. Have you found a need to refinance and pull out some cash for college expenses or your daughter's wedding? The .. (Credit Tips)

Using a Collection Agency For Credit Repair

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 Michael Demarkks (July 28, 2008)  Credit Ratings. Everyone is talking about them and they are a very important aspect of every adult's life. But what are they exactly, and how are they determined? It all starts with a credit card, checking account, or bank loan. Once you get any of these, the business which gave them to you reports information regarding the loan (such as your payment history, the amount, if it's in good . (Credit Tips)

Credit Crunch Dont Be Defeated Beat It

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 Jo Withey (July 28, 2008)  According to Wikipedia, Credit Crunch means a sudden reduction in the availability of money. That's the polite version. We could all probably provide a much more graphic explanation. Politicians seem to be wary of using the R word for fear of creating panic, but a rose by any other name smells just as sweet - recession or credit crunch? Not a lot of difference really. The cold facts .. (Credit Tips)

Credit Disputes Online 3 Reasons Why You Should Never Do This!

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 Herschel Bentley (July 28, 2008)  Historically, the function of the Credit Bureaus first began as collection agencies and they only gathered negative information. Then Fair Isaac & Company developed the FICO scoring system to improve the overall credit reporting system. Today, the bureaus report both positive and negative credit history to provide a risk-grade rating that estimates your credit worthiness. The Fair .. (Credit Tips)

Do Credit Scores Really Matter

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 Deborah Thomas (July 28, 2008)  Do you really know what a credit score means? Just think about it for one minute. A while back Americans were surveyed and less than one third understood the impact of great credit scores. A credit score is a number that helps lenders, landlords, insurance companies, and others predict how likely you are to pay your bills on time. Your credit score is generated by a mathematical .. (Credit Tips)

Fix Bad Credit Now Tips For the Clueless

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 David N Kamau (July 27, 2008)  Are you trying to fix bad credit? It's not as bad as you think. Many will look at their credit report and lose hope, especially those middle-aged consumers who believe it will take them years to fix bad credit. This isn't true. In 30 days you could have several good accounts (known as trade lines or tradelines) on your credit report and on the path to a high FICO credit score. Many of .. (Credit Tips)

Secret Strategies to Fast Credit Repair

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 Ryan J. Taylor (July 26, 2008)  The secret strategies to fast credit repair are so obvious, that most people overlook them. Credit counselors know that most people do not take the time to figure out how to raise their credit score on their own, but could be faced with circumstances that call for desperate measures. Knowing this, credit counselors use these simple strategies to help people increase their credit rating, . (Credit Tips)

How to Manage Your Credit Cards

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 Stephanie Andrews (July 26, 2008)  In today's media-minded world, credit cards sometimes get a bad rep. Hearing about the dangers of credit card debt doesn't mean you should throw all your cards away, however. The key to getting the most out of your plastic is to manage it wisely. Follow these tips and you'll not only stay out of debt, you'll also enjoy extra benefits. Carry what you Need The average American has .. (Credit Tips)

Steps to Guard Your Credit Card

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 Vaibav Aggarwal (July 25, 2008)  The number of credit card user is increasing day by day. The card holders prefer to make payments through credit card. In fact they find it more convenient to payment through card. Most of the retailers, even the small grocery shopkeepers have installed swap machines. This is for all the retailers and shopkeepers that they should verify the signature. Due to long queues at the billing .. (Credit Tips)

Your Mobile Phone Will Be a Credit Card

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 Vaibav Aggarwal (July 25, 2008)  Day by day new technologies are coming up. The developments in technology sector have made man's life comfortable and have made things more assessable. Credit card, mobile and internet have made life easier and things assessable. With credit card your wallet weight has reduced as you don't have to carry cash. Mobile has made communication with people staying in any part of the world, .. (Credit Tips)

Erase Financial Shame With Credit Card Relief

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 E.S. Cromwell (July 25, 2008)  Credit card debt is a shadow most everyone casts these days. Yet, for most, it's a shade of shame, something they'd rater not display or, for that matter, view at all. And this is so for many a reason. Making it publicly known that your financial stance is less than reputable thanks to trailing shady images is not necessarily something anyone would want. Who wants a constant dragged .. (Credit Tips)

5 Sure Ways to Improve Your Credit Score

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 Stephanie Andrews (July 25, 2008)  A low credit score does not mean your credit days are over. You may not be able to take out a loan or get certain credit cards, but you can start taking steps to improve your credit rating right away. Over time, lenders will notice your changed behavior and offer you more financial options. Follow these guidelines and your score will improve in no time. Pay Bills on Time Whether it is .. (Credit Tips)

Repairing Damaged Credit Scores How to Raise Your Score 120 Points

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 Thomas Boston (July 25, 2008)  A bad credit score can affect so many different areas of a person's life, and makes life far more difficult than if you had a good credit score. A bad credit score can lock you out of the best loans, best credit cards, best apartments, houses, and even jobs. Because of this, repairing a bad credit report is extremely important and should be taken on with all the strength and gusto that .. (Credit Tips)

The Truth About How to Obtain a Free FICO Score

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 Kyle Gentile (July 25, 2008)  The first step to a good FICO score is to know you where you are at. Most people look for a way to obtain a free FICO score, but it can be tricky. There are a couple things to watch for when trying to obtain a free FICO score. The first is when you look for a free online FICO score you are blasted with advertisements. There are so many companies looking to give you a free credit score. . (Credit Tips)

FICO Score Category 1 Payment History

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 Linda Adams (July 24, 2008)  How well do you know your credit payment history? Though FICO is not sharing the exact formula they use to calculate your FICO or credit score, they will say that there are five major categories. Your payment history counts for 35% and is the most heavily weighted category in the calculation of your score. There are many pieces to your payment history. Here are some things to look out .. (Credit Tips)

How Do I Quickly Fix Bad Credit? 2 Simple Steps to Improving Your Credit Score Fast

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 Ian Hollander (July 24, 2008)  Let's take a quick look at one of the most POPULAR questions being asked in 2008 amongst people of ALL financial types and stripes: “how to I fix bad credit FAST. . . ?" The simple truth is, with the financial markets in a slide, the housing and mortgage crisis showing NO sign of letting up, there appears to be NO shortage of people struggling with credit problems, does there? .. (Credit Tips)

The Best Ways to Improve a Bad Credit Score Quickly

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 Bryan Burbank (July 24, 2008)  Too much bad credit can make it very hard to get a loan on a car or even get a credit card. It is always good to improve your credit score and that way you can get a loan at a good interest rate. There is ways of getting a no credit or bad credit loan but the negative thing is you will have to pay a much higher interest rate and it will cost you a lot more money over the life of the .. (Credit Tips)

2 Advanced Credit Score Repair Techniques Proven to Raise Your Credit Score Fast

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 Ian Hollander (July 24, 2008)  In this article I'd like to share 2 advanced credit score repair techniques that are guaranteed to raise your credit score fast. Simply stated, if you are sick and tired of mediocre credit repair strategies that simply take forever to work, you are probably going to like these 2 simple, but effective insider strategies. Not only are they often overlooked by mainstream credit repair .. (Credit Tips)

3 Credit Repair Services Questions You Better Ask Today

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 Ian Hollander (July 24, 2008)  In this article we are going to take a look at some important questions you need to ask credit repair services companies BEFORE you being the process. Why is this important? Well. . . for ONE there is a LAW that mandates, regulates and requires credit repair agencies follow certain protocols, and secondly. . you NEED to ensure you are picking the proper path for YOUR financial future. .. (Credit Tips)

4 Things You Need to Know About Credit Repair Lawyers The Simple Truth About Legal Credit Repair

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 Ian Hollander (July 24, 2008)  In this article I'd like to take a look at the topic of credit repair lawyers, and see whether or not this is a good choice for your particular situation. I'm a big believer in self help credit repair, and truly believe this is the best course for 90% plus of those of us who have suffered from the ignominious fate of a negative credit rating. That said, let's look below at 4 things you .. (Credit Tips)

2 Sure Shot Ways to Repair Your Credit Quickly Easy Credit Repair Strategies That Work

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 Ian Hollander (July 24, 2008)  In this article I'd like to take a look at 2 sure fire ways to repair your credit fast. As I hope is the case with most of my recommendations, I'm pretty sure these are all simple, straight forward and SUCCESSFUL to boot, so continue reading below as we give them each the attention they deserve. Read on. The Sherlock Holmes Strategy Ever wanted to do some light detective work? Well, .. (Credit Tips)

Home Purchasing, Your Credit, and Unpaid Bills Oh My!

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 Jerry Ciifford (July 24, 2008)  Many people find themselves in the situation where they have a good job, maybe even a decent down payment, but their credit is, shall we say, less than stellar. The problem with getting a decent rate on a mortgage is that your credit rating is going to determine whether financial institutions are going to fall all over themselves to get your business or, in a financial sense, look at .. (Credit Tips)

How to Raise Your Credit Score 2 Common Questions About Fixing Your Credit Fast

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 Ian Hollander (July 23, 2008)  In this article I'd like to take a quick look at a few common questions about raising your credit score. If you are anything like most Americans, you know very LITTLE about how your credit score TRULY works. The calculations behind how our FICO is finalized is pretty complex, but understanding how to FIX it certainly is NOT. . :-) And of course, that's where a little bit of information .. (Credit Tips)

4 Surprising Facts About Self Help Credit Repair Turbocharge Your FICO Score by Yourself

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 Ian Hollander (July 23, 2008)  In this article we are going to cover some surprising facts about self help credit repair. Many people are just SO confused about credit repair in general that they are completely shocked when they find out just how easy it can be to do it themselves. If you think you MIGHT fall into this boat, read on as we shed some important light on this otherwise murky terrain in question and .. (Credit Tips)

Improve Your Credit Report Quickly and Easily

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 Darren Cason (July 23, 2008)  Improving your credit score can be a long and difficult road, but there are tasks you can do to get in on a better course immediately. But first you should get a hold of your credit report to see what's on it. If there are errors on your report, you can lodge a dispute with the reporting agency who will investigate your claim. Not only should you use this process for incorrect data .. (Credit Tips)

Credit Card Rating Tied to Debt

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 Eric Jilson (July 23, 2008)  Paying cash for everything is not always going to work out to be the best scenario for all people. What happens is amazing, but if you have a good job, and a history of no credit cards, it is almost impossible for some people to get a home loan or even a car loan. Every person has a credit rating, and this is all tied to what you have in life. Having a little debt and paying it off in .. (Credit Tips)

Can Do It Yourself Credit Repair Work For You?

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 Michael Demarkks (July 23, 2008)  A good credit rating is one of the most important factors in leading a sound economic life in today's society. Most people don't know how many things depend on a good credit rating. Things that we take for granted every day wouldn't be possible without a good credit rating. Every time you miss a payment, it is reported, and goes on your credit report. If this happens too often, you .. (Credit Tips)

How to Repair Bad Credit by Setting Financial Goals

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 Daryl Johnson (July 23, 2008)  Did you know that a bad credit rating can do more harm than good to you than the normal person really knows. When trying to study how to repair bad credit by yourself, there are many measures that you can take to ensure everything all goes well and according to strategy. That is why creating the right decisions and alterations about your personal monetary resources, expenses, and debt .. (Credit Tips)

Legal Credit Repair Services How Can They Help You Fix Bad Credit

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 Daryl Johnson (July 23, 2008)  Legal credit repair services can help people who are you suffering from bad credit problems and living paycheck to paycheck. If you are tired of the hassle of dealing with bad credit and you desire to no longer live like that, then why not apply for help with legal credit repair services. This is what legal credit repair services are meant for. People like you who are bearing the burden . (Credit Tips)

A Good Credit Score How to Keep and Improve It

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 Graham Williams (July 23, 2008)  What is credit score? It is what tells your creditor whether you will be able to pay of your loan and also decides if you will have a high or low interest rate. It consists of three numbers. If your credit score is low, then there is every possibility that your loan application will be disapproved, of course you will not want this to happen, but your loan application will only be .. (Credit Tips)

First Things First Get a Copy of Your Credit Report

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 Robert Renk (July 23, 2008)  Before you try to buy your dream home, you'll need to get your financial house in order first, by getting a copy of your credit report that also has your credit scores included. Yes, there really is a way to get a free copy of your credit report. Due to the Fair Credit Reporting Act, all credit bureaus are required to provide you with one free credit report per year. The catch? They .. (Credit Tips)

Credit Cards Tips

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 Aila Sanchez (July 23, 2008)  What is a credit card? A credit card is a small plastic card used by many people as a system of payment. Credit cards are different from debit cards in that they do not remove money from the account after a transaction. Instead, the issuer (a bank, for example) lends money to the user. In theory, credit cards offer a lot of convenience financially. They allow consumers to purchase .. (Credit Tips)

First Credit Card? 5 Dos and Donts

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 Claire Blake (July 22, 2008)  So you want a credit card? You want to be able to come and go as you please, buying now and paying later? Although it can be a great place to be, there are a few important things to remember before jumping into the credit card game. The main point being that all other things related to credit, begin and end with your credit report and your credit score. Think of your credit score as a .. (Credit Tips)

Plastics For Each Stage of Life

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 Jesus A Sanchez (July 22, 2008)  Teens Are teenagers too young to have credit cards? Maybe not, says Robert Manning, author of “Credit Card Nation. " This can be a good time to teach kids that credit cards are a convenience and not an extension of income. Young people learn to use credit cards responsibly in school, are less prone to fill with debts in college. According “Jum$tart Coalition", a group of .. (Credit Tips)

Using 0% APR Credit Card to Become Debt Free

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 Noreen Ruth (July 22, 2008)  Using a 0% APR credit card will help you pay off your balances and spend less on interest charges! To use a 0% APR credit card to pay off your debts, follow these steps: 1. ) Transfer your existing credit card balances to a new 0% APR credit card. 2. ) Continue to pay down your balance as usual. But instead of paying only the minimum each month, also pay the amount of interest you .. (Credit Tips)

Get an Instant Prepaid Credit Card Fast

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 Katina Blue (July 22, 2008)  No credit? No problem. If you want to pay for shopping online but do not have access to a traditional credit card, then an instant prepaid credit card is the right choice for you. There are many benefits of prepaid credit cards and so many to choose from. Instant prepaid credit cards offer many benefits. You will not have to endure scrupulous credit checks and lengthy applications. .. (Credit Tips)

Get a Credit Card With No Credit

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 Katina Blue (July 22, 2008)  If you have no credit history, you more than likely will have trouble finding card issuers that are willing to offer you credit.  Having an empty credit profile makes it difficult for creditors to determine how you handle and manage lines of credit so they will be leery about extending you a credit offer.  This is the plight of many consumers who don't have bad credit, but also don't .. (Credit Tips)

Fix Bad Credit How to Use Debit and Secured Credit Cards to Fix Credit

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 Daryl Johnson (July 22, 2008)  Did you know that you can use prepaid debit and secured credit cards to fix bad credit no matter how bad your credit is. Yea, you heard that right. You can fix bad credit and I intend to show you how in just a few moments, but first let us check out the different credit cards used to accomplish this task. Prepaid debit cards - The difference between these two cards is insignificant, .. (Credit Tips)

3 Good Reasons to Start Credit Repair Fix Your Credit Before Its Too Late

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 Ian Hollander (July 22, 2008)  In this article we are going to examine 3 good, solid reasons to start the credit repair process. While there will ALWAYS be a fair amount of myth and misinformation surrounding credit repair ( mostly because of the inherent conflict of interest between credit bureaus and consumers like you and I) there remain pretty agreeable scenarios for WANTING to boost your credit score in a hurry. . (Credit Tips)

Christian Credit Repair 5 Ways They Help Repair Bad Credit

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 Daryl Johnson (July 22, 2008)  A christian credit repair counselor can help you recover from your major credit problems and help repair bad credit to what it was before you got into trouble. The Christian credit repair counselor can prevent you from filing for bankruptcy or borrowing against your home. In the future, you can have more available credit options just by clearing up your debt now, if you want to buy a .. (Credit Tips)

Bad Credit Repair How to Repair Credit Rating in Two Easy Steps

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 Daryl Johnson (July 22, 2008)  I want you to know that a poor credit score can do more harm to you than the typical person really thinks. When trying to learn how to repair bad credit by yourself, there are many steps that you can take to ensure everything all goes well and according to plan. That is why making the right decisions and changes about your personal finances, expenses, and debt can result in a much .. (Credit Tips)

How to Repair Your Credit Score Now

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 James McKerr (July 21, 2008)  Repairing your credit score is not a quick easy task. No matter what many advertisements claim it can not be done in a very short space of time. Instead what is required is a consistent steady approach where you make small incremental changes that all work to the greater goal of increasing your credit score. As with most things short term fixes are not the way to go, you will reap much .. (Credit Tips)

How to Use the Credit Bureau For Effective Credit Repair

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 Michael Demarkks (July 21, 2008)  In today's world, a good credit rating not only allows you to obtain loans and credit cards, it can also affect your insurance premiums and interest rates. There are three major credit bureaus that collect and compile your information in order to determine your credit rating. Creditors report information to them every time an inquiry is made into your credit. Things such as an .. (Credit Tips)

What is a Good FICO Score and What Does it Mean?

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 Kyle Gentile (July 21, 2008)  You might ask yourself these questions. The general rule is the higher the FICO score the better and if it is high you could wind up saving lots of money. When lenders decide to give you a loan, your FICO score is used as an indication of risk. The lesser risk you are, the lower the interest rate you will have to pay. The lower the interest rate, the more money you will save over the .. (Credit Tips)

Improving Poor Credit 3 Tips to Raise Your Credit Score

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 Gary Clark (July 21, 2008)  Everyday thousands of people try to find ways to repair their bad credit rating. There are so many places claiming to have the way to improve your rating fast. There are some people who may choose to do it in an unethical manner and some even in illegal ways. There is so much misinformation about it on the web that to find sound ethical and legal advice is very difficult. The best .. (Credit Tips)

How to Establish Business Credit Avoid These Common Mistakes When Using Your Business Credit Card

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 John Purfield (July 21, 2008)  When you finally get that business credit card, it opens a lot of doors and creates opportunity for you and your business. One opportunity for a business with no credit is to establish business credit. However many business owners make mistakes that impact the business to the point of no recovery. What happens is the credit limit is so high on these cards that some business owners go on . (Credit Tips)

Credit Repair Responding to the Collection Letter

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 Dave S (July 21, 2008)  There are two ways to deal with a collection letter. You can ignore it - the wrong thing to do. Or you can deal with it proactively. The Fair Debt Collection Practices Act (FDCPA) offers consumers certain protections under the law. When you receive a collection letter, you have 30 days to request debt validation from the debt collector. This is something you really should do. Even if .. (Credit Tips)




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