Most of us know about the 3 main credit report bureaus – Experian, Transunion, and Equifax …but have you seen ALL your credit reports? Did you know that more exist and are referred to as specialty credit reports? There are many other credit reporting agencies that report nationwide in specialty…
The bankruptcy code does not require that you reaffirm, or sign an agreement to continue to be personally responsible for the payments on your mortgage. As long as you continue to pay the house notes they cannot foreclose. However, most mortgage companies will not report your payments to the credit…
Can you get credit after filing bankruptcy? Absolutely. Will you have to wait for ten years to get a house or a car? Absolutely not. Credit card companies will pack your mailbox with offers of credit. They want you back in the system using credit cards and carrying a large…
Mississippi is not a community property state and in most cases, a husband and wife are not responsible for each other’s debts. There are some exceptions, but they usually would only come up in a divorce or action between the husband and wife, not in a situation between the husband…
The Fair Credit Reporting Act (FCRA) provides specific rights to consumers who are or believe they are the victim of identity theft. If someone uses your name, Social Security number, date of birth, or other identification without the authority to do so in order to commit fraud, it is considered…
The federal Fair Credit Reporting Act (FCRA) was created to promote accurate, fair, and private filing of information by consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (those that sell information about check writing history, medical records, rental history, etc). Most…