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Category Archives: Fair Credit Reporting

Texas Attorney General Website Offers Valuable Consumer Information

Published on July 14, 2009 by Kathleen Munden

The Attorney General is the official in the State of Texas who is responsible for protecting consumers and businesses by enforcing the Deceptive Trade Practices Act and other consumer and business protection legislation. The website of the Office of the Attorney General contains a wealth of information for consumers, along with complaint forms, hotline numbers, [...]

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White House Sends Congress Draft Bill for Consumer Financial Protection Agency

Published on July 1, 2009 by Robert A. Kraft

The Financial Times reports the Obama Administration “has sent Congress draft legislation for a new consumer financial protection agency, setting out the fine details it wants to see in the body responsible for regulating products such as credit cards and mortgages.” The agency “would have power over any company that sells financial products to consumers, [...]

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Five Things To Know Before Applying For a Secured Credit Card

Published on July 1, 2009 by Kathleen Munden

Consumers whose credit scores have been devastated by bankruptcy, divorce, or job loss often turn to secured credit cards in an effort to rebuild their credit. While this can be an effective method for increasing your credit score, not all secured cards are created equal, and you must make sure you are getting the best [...]

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Credit Repair – Do It Yourself and Avoid Being Scammed

Published on June 14, 2009 by Kathleen Munden

Despite all the advertising by companies who promise to “erase your bad debt” or remove bankruptcies, judgments, liens, and bad loans from your credit file, the attorneys at the Federal Trade Commission say that they have never seen a legitimate credit repair operation making those claims. There is no quick fix for creditworthiness, although you [...]

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Collection of Time-Barred Debts

Published on June 11, 2009 by Robert A. Kraft

“Time-barred” debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. State law varies as to when a creditor or debt collector may no longer sue you. In most states, the period is from three to 10 years, and in Texas, the limit [...]

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