Your Credit Billing and Electronic Fund Transfer Statements

It is important to check credit billing and electronic fund transfer account statements regularly. These documents may contain mistakes that could damage your credit status or reflect improper charges or transfers.

Budgeting 101

Stay on top of your cash and your credit. 6 steps you should take and consider closely when budgeting.

The Fair Credit Reporting Act

The Fair Credit Reporting Act was enacted in 1971. This act states that if you have been denied credit, the merchant that denied you credit must tell you the reason why. Also, you will be entitled to a copy of your credit report from the bureau that the merchant used.

Your Credit Application

A summary of your credit application rights. When creditors evaluate a credit application, they cannot lawfully engage in discriminatory practices. The Equal Credit Opportunity Act prohibits credit discrimination on the basis of sex, race, marital status, religion, national origin, age, or receipt of public assistance.

Credit Bill Errors

No computer is more accurate, than the person inputting it's data. It doesn't recognize when clerk A has given you Mrs. X's charge for a new dining room suite. Or when a family with the same last name has its file mixed with yours, and they are late paying their bills.

 

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