Ahhhh the New Year is up on us! 2012 here we come! Now that your Christmas/Hanukkah/Kwanzaa/Winter Solstice gifts are unwrapped, the fruit cake from Aunt June is put away to age for the rest of eternity, you finally have a moment of clarity! Holy crap! I have credit card bills on their way. I have to pay for all of these merry festivities now! Not to fret, we’re here to make some sense of it for you, and to give you some guidance so that you don’t go as crazy as “Cousin Eddie” standing in the … [Read more...]
Disputing a Credit Report
FACT: Credit reporting is a voluntary and for-profit enterprise. FACT: The US government does not endorse, or promote the credit reporting industry. FACT: Credit reporting companies (also known as credit bureaus) are not part of the federal government. If the credit reporting agencies, (most notably Equifax, Experian, and TransUnion) are no more part of the federal government than say FedEx or Wal-Mart; why are we so intimidated by them? The main reason is because they wield so much power and … [Read more...]
