If you have less than perfect credit and are thinking that you may not qualify for a mortgage, car loan or credit card, think again. Rather than listen to what friends and family may be telling you, find out for yourself what your true circumstances are. Start by getting a …

Fair Debt Collection Practices Act (FDCPA) The FDCPA is the consumer protection act designed to prohibit abusive practices by debt collectors. The FDCPA specifically defines a collector as any person that collects debts owed to others, and may include attorneys that collect debts on a regular basis. Note that the …

Your credit report is a compilation of your credit and financial history prepared by one the three primary credit rating agencies known as Equifax, Equerian and Trans Union. A credit report typically includes facts about your identity, your residential status and address, where you work, your habits of paying bills, …