Monthly Archives: April 2011

martin pelmore How Long Items Stay on a Credit Report

martin pelmore How Long Items Stay on a Credit Report In most cases, bankruptcy will remain on a credit report for 10 years following the discharge of the bankruptcy. Other entries remain for about 7 years from the date of … Continue reading

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martin pelmore Negotiate Your Credit Reporting

Negotiate Your Credit Reporting Always ask for a “Good Pay Rating”. The ideal is to get the creditor to report your account after the settlement as “Paid as Agreed” or “Account Closed – Paid as Agreed”. Some creditors may not … Continue reading

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Martin Pelmore Should Consumers Try Credit Repair On Their Own?

Martin Pelmore Should Consumers Try Credit Repair On Their Own? This really depends on you and the amount of time you’re willing to allocate toward repairing your credit. While disputing items on your credit reports should be easy, getting results … Continue reading

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Martin Pelmore Federal Enforcement Agencies of Banks & Credit Reporting Companies

Federal Agencies that enforce the Fair Credit Reporting Act (FCRA) ——————————————————————————– The FCRA gives a number of different federal agencies authority to enforce the FCRA. Following is a list of many of these federal agencies, and in which subject matter … Continue reading

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CFC Martin Pelmore Dealing with Identity Theft

CFC Martin Pelmore Dealing with Identity Theft Under the Fair Credit Reporting Act (FCRA), you have specific rights if you believe you are a victim of identity theft, which may help you recover from identity theft, as summarized here: You … Continue reading

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CFC INC/ Martin Pelmore Preventing Identity Theft

CFC INC/ Martin Pelmore Preventing Identity Theft “Identity theft” means that someone uses elements of your identity, such as your name, Social Security number, date of birth, or other identifying information, without authority, typically to commit fraud. A classic example … Continue reading

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Martin Pelmore Sample Letter Request Credit Report

Martin Pelmore Sample Letter Request Credit Report YourName 123YourStreetAddress Your City, ST 01234 BigCreditBureau TheirStreetAddress SomeCity,ST56789 1/12/2008 Dear Credit Bureau, Please send me a copy of my credit report. MyfullnameisYourName. Mybirth-dateis01-01-1950. MySocialSecuritynumberis123-45-6789. My current address is 123 Your Street Address, … Continue reading

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