YOUR RIGHTS
The Fair Credit Reporting Act - As Amended 2003 (PDF File)
The Consumer Credit Protection Act (HTML)
State Consumer Protection Offices (HTML)
Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) (HTML)
Canadian Provincial Credit Reporting Act links (HTML)
OPT OUT OF MARKETING LISTS
In the US: To “opt out” of the selling of your information for marketing purposes by the Credit Bureaus: (1) go to www.optoutprescreen.com, (2) call 888.5OPTOUT (888.567.8688) , or (3) write each Credit Bureau using the Letter to Opt Out of Personal Information Release provided in the Sample Letter Index. To remove your name from mailing and telephone lists obtained from other sources, you may want to contact the Direct Marketing Association.
In Canada:To remove your name from mailing and telephone lists, contact the Canadian Marketing Association.
From Free Credit Fixesr:
DOWNLOAD Sample Letters (PDF Version)
Collection of Sample Letters for Credit Repair in one file.
PUBLICATIONS
From myFico.com:
Your Credit Scores (PDF File)
Developed jointly by Fair Isaac and Consumer Federation of America, this pamphlet provides a brief but complete overview of credit scoring, including factors that influence credit scores, where you can obtain your scores and tips on improving them.
Understanding Your FICO Score (PDF File)
This booklet provides a thorough description of credit scoring, including ways credit scoring can help you, the relationship between your credit report and your credit score, what a FICO® score considers, and interpreting your score.
From The Financial Consumer Agency of Canada:
Understanding Your Credit Report and Credit Score (PDF File | HTML version)
This publication provides key information on how to obtain and understand your credit report and score, as well as what to do if you find errors on your credit report.
Playing it Safe (PDF File)
How to Protect Your Credit Card and Credit History
From Equifax, Canada:
Sample Consumer Credit Report (PDF File)
Description of a Consumer Credit Report (PDF File)
Credit Report Request Form (PDF File)
Consumer Credit Report Update Form (PDF File)
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Innovis: The "New" Credit Reporting Agency by arin721
Sample Letters - Quick Links by arin721
Resources for Identity Theft - Quick Links by arin721
Resources for Credit Repair and Credit Scores - Quick Links by arin721
Credit Scores - Quick Links by arin721
It’s that time again. This year I’ve got a whole long list of resolutions. That’s right. New years is just two days away. I’ve got my list. Do you have yours? If you are like more than half of all American’s the answer is no.
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You know you’re in trouble when you turn on the cold water faucet and what comes out is hot water for the first three or four minutes. Its supposed to be 102F here today. That’s pretty hot. And I have two cats. Complete with fur. How do they stay cool in the summer? We always hear how someone left a dog in a car and they had a heat stroke but what about our cats?
What do beans and left over salad have in common? Both can be tossed into a burrito for a cheap, filling meal.
Plasma donation. I does it.
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