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Topic: Credit history

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	Secured Credit Card Marketing Scams
		Beware: while secured credit cards can be an effective way to build or re-establish your credit history, some marketers of secured cards make deceptive advertising claims to entice you to respond to their ads.
		Your credit line is a percentage of your deposit, typically 50 to 100 percent.
		Your credit history is maintained by companies called credit bureaus; they collect information reported to them by banks, mortgage companies, department stores, and other creditors.
	www.ftc.gov /bcp/conline/pubs/credit/secured.htm (862 words)

	Credit history - Wikipedia, the free encyclopedia
		Credit history or credit report is, in many countries, a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy.
		When a customer fills out an application for credit from a bank, store or credit card company, their information is forwarded to a credit bureau, along with constant updates on the status of their credit accounts, address or any other changes you may have made since the last time they applied for any credit.
		Credit inquiries – An inquiry is a notation on a credit history file.
	en.wikipedia.org /wiki/Credit_history (699 words)

	Credit card - Wikipedia, the free encyclopedia
		The cardholder of a secured credit card is still expected to make regular payments, as he or she would with a regular credit card, but should he or she default on a payment, the card issuer has the option of recovering the cost of the purchases paid to the merchants out of the deposit.
		Secured credit cards are an option to allow a person with a poor credit history or no credit history to have a credit card which might not otherwise be available.
		The major credit card companies have been accused of targeting a younger audience, in particular college students, many of whom are already in debt with college tuition fees and college loans, and who typically are less experienced at managing their own finances.
	en.wikipedia.org /wiki/Credit_card (3993 words)

	Adverse Credit History - Wikipedia, the free encyclopedia
		Adverse Credit History, also called sub-prime credit history, non-status credit history, impaired credit history, poor credit history and bad credit history, is a credit history that is judged as being adverse as the applicant has a history of unsatisfactory credit transactions.
		The higher the score, the better the credit history and the higher the probability that the loan will be repaid on time.
		It is not the credit agencies that decide whether a credit history is adverse.
	en.wikipedia.org /wiki/Adverse_Credit_History (349 words)

	Credit History (Site not responding. Last check: 2007-08-17)
		Your credit history reflects information that your creditors have reported to credit bureaus.
		Credit reporting companies have 30 days to verify disputed information, or they must remove it from your file and send a corrected copy of your report to anyone who received it in the last 6 months and anyone who has received it for employment purposes in the last 2 years.
		The best prevention for a poor credit report is to pay bills that aren't in dispute, and report disputed bills to your creditor in writing as soon as you receive a statement showing the disputed bill.
	www.eglin.af.mil /legal/crehis.htm (1693 words)

	MIAD - Understanding Credit (Site not responding. Last check: 2007-08-17)
		Your credit history is part of what affects the lender's decision to give you a loan or line of credit, how much you can borrow, and what interest rate you will pay.
		Credit history is often a factor in determining your auto, homeowners, and renter's insurance rates.
		The credit score identifies to the lender the level of future risk associated with your credit history, as compared to hundreds of thousands of other credit reports.
	www.miad.edu /content/view/86/202 (648 words)

	Credit (Site not responding. Last check: 2007-08-17)
		These companies, sometimes called "credit repair clinics," often make misleading promises to consumers, such as promising to remove a bankruptcy from their credit report and charge high fees for doing the same things consumers can do on their own.
		If you've never used credit and are considering doing so, consider opening a checking or savings account in your name; acquire a credit card in your name; or establish a pre-arranged credit line with your bank.
		For example, the creditor must tell you whether the denial was because you have "no credit file" with the credit reporting agency, or because the agency says you have "delinquent obligations." This law requires creditors to consider, upon request, additional information you might supply about your credit history.
	www.atg.wa.gov /consumer/credit.shtml (2151 words)

	FDIC Consumer News - Winter 2002/2003
		It is prepared by credit bureaus (also known as credit reporting agencies) primarily for use by lenders, employers and others who, under the federal Fair Credit Reporting Act (FCRA), have a legitimate need for the information, such as when you apply for a loan, insurance policy, apartment or job.
		But even if you are paying on a loan or credit card as agreed, the institution where you have the account can obtain your credit report as part of its regular maintenance of the account, and that includes looking for warning signs that you may have problems fulfilling your obligations in the future.
		If a credit bureau's investigation does not resolve your concerns, the FCRA allows you to submit a brief statement about the matter, in 100 words or less, that must be attached to your credit report and provided to anyone that accesses your report in the future.
	www.fdic.gov /consumers/consumer/news/cnwin0203/ch101.html (2279 words)

	How Private Is My Credit Report?
		Credit decisions are, in fact, generally made based upon a number of factors that comprise a “score.” Inquiries made in connection with your applications for credit may also be a factor in your score.
		Credit bureaus are regulated under the California Consumer Credit Reporting Agencies Act (California Civil Code section 1785 et seq.), the laws of other states, and the federal Fair Credit Reporting Act (15 USC 1681 et seq.).
		Credit bureaus must provide the subject of the report with a toll-free number to dispute the reinsertion and the opportunity to include a dispute statement.
	www.privacyrights.org /fs/fs6-crdt.htm (4797 words)

	Credit History
		If you have been denied credit in the last 30 days, a credit bureau must provide your credit history free of charge upon request.
		Your credit history may be obtained at other times for a small fee, usually $10.00.
		Although he was certain that he had a clean credit history, the bank informed him that he was overextended.
	www.frb-law.com /credit.htm (715 words)

	No Credit History? No Problem.
		But there are credit card options for those who have not established previous credit history using a credit card.
		Often, the lack of credit history is equated with bad credit.
		Someone with no history of faithfully repaying money that has been borrowed is an unknown quantity and is, therefore, either avoided or assigned a higher degree of risk (and charged higher interest rate to offset that risk).
	www.creditcards.com /no-credit-history-article.php (657 words)

	Think before dumping credit card
		One factor in your credit score is the length of credit history.
		According to myFICO.com, the length of credit history is roughly 15 percent of your credit score.
		The length of credit history looks at how long the accounts have been open, individually and by type of account, and the time since the last activity in an account.
	www.bankrate.com /brm/news/DrDon/20061213_credit_history_score_a1.asp (643 words)

	Credit History, Credit Report, Credit Report Agency - How To Build A Credit History
		Back in our grandparent's day business was conducted in cash and a handshake was all the credit you needed but today you have got to have a good credit history if you want to obtain the best interest rates or credit in the amounts you might need for an emergency.
		Sometimes errors can be reported in your credit history or there can be some reports that you didn't realize would show up or that you had forgotten were there.
		If you still are having problems developing credit, you may want to ask a person who has an established credit history to act as your cosigner.
	www.spendonlife.com /asktheexpert/credit_reports/how_to_build_a_credit_history.aspx (666 words)

	Visa Buxx - Credit History
		Credit bureaus are independent agencies that collect credit information and distribute it to potential lenders.
		Credit information: specific information about each account such as the date opened, credit limit or loan amount, balance, monthly payment and payment pattern during the past several years.
		And since credit bureaus aren't required to notify you when someone has requested a report, it's to your advantage to have your credit in blue ribbon shape all the time.
	www.visabuxx.com /moneytools/tools_history.cfm (1076 words)

	Credit, Credit Card Help, Credit Card History. Citi Credit Information.
		Credit cards are the form of credit most people will apply for and use during their lifetime.
		Individual credit is based on your assets, income and credit history only.
		Joint credit is based on the assets, income and credit history of both people who apply.
	www.citibank.com /us/cards/cm/ccwork01.htm (184 words)

	FCIC - Credit Matters
		Contact the credit bureaus listed in the telephone directory under "credit" or "credit rating and reporting." Because more than one credit bureau may have a file on you, call each until you locate all the agencies maintaining your file.
		A positive credit history is an asset, not only when you apply for a credit card, but also when you apply for a job or insurance, or when you want to finance a car or a home.
		If you've been denied credit because of information supplied by a credit bureau, federal law requires the creditor to give you the name, address and telephone number of the bureau that supplied the information.
	www.pueblo.gsa.gov /cic_text/money/credit-report/rscredit.htm (1818 words)

	Howstuffworks "History of Credit Reports"
		In the very early days, when people bought things on credit at the general store, the store clerk wrote the purchase amount on a piece of paper that was then put into a "cuff." A cuff was a paper tube that they wore on their wrist.
		Most credit bureaus allow both the consumer and the creditor to make statements to report what happened if there is a dispute about something on the report.
		Credit scores are based on formulas that use the information in your report, but they are not a part of your report.
	money.howstuffworks.com /credit-report1.htm (824 words)

	Credit Management, Score, 3 in 1 Credit Reports and Credit History \| Identity Guard (Site not responding. Last check: 2007-08-17)
		With a higher credit score, not only are loans easier to obtain, but people with a higher credit score generally receive lower interest rates — and that saves you a considerable amount of money over time.
		Credit Analyzer is a real-time credit-analysis tool that allows you to create "What If?" scenarios to see how changing one or more credit variables may affect your creditworthiness.
		Credit Education Specialists are trained to answer your questions about your member benefits, credit report, credit score, Identity Theft Insurance, and other issues.
	www.identityguard.com /gs/english/LM_CreditProtect.asp (1092 words)

	Visa USA \| Personal \| learn the credit facts - credit history
		A credit history is a detailed record of your credit activity.
		Your credit history is contained in a credit report that’s kept on file by credit bureaus.
		If you have been denied credit in the past sixty days, you are entitled by law to receive a free copy of your report from the credit bureau that issued it.
	usa.visa.com /personal/student/credit_101/credit_history.html (411 words)

	FRBB: Credit History: The Evolution of Consumer Credit in America
		In 1810, your credit history was oral rather than written, and identity fraud was not an issue.
		During the early years of the 20th century, a few hotels issued credit cards to favored guests, but the cards were mainly a gimmick — status symbols that distinguished the cardholders from the masses of cash-paying customers.
		Gasoline credit cards covered a wider market area, but they weren’t accepted by competitors, nor were they much use if you needed something that wasn’t sold at a gas station.
	www.bos.frb.org /education/ledger/ledger04/sprsum/credhistory.htm (3761 words)

	Credit History
		Credit bureaus are not required to notify you when someone has asked to review your report.
		Credit card issuers, auto financing companies, college loan issuers, insurance companies—and yes, even landlords and potential employers—can legally access this information to help determine whether they wish to do business with you.
		If you have been denied credit in the past 60 days, you are entitled by law to receive a free copy of your report from the credit bureau that issued it.
	www.intrustbank.com /Personal/Cards/CreditTips/Credit_History/html/history.html (448 words)

	Know your history: five reasons to check your credit report Airman - FindArticles
		Just as a resume displays your work experience to a potential employer, a credit report provides creditors, and in some cases employers and insurers, with a detailed picture of your credit history.
		Credit checks are often done before a person is able to sign an apartment lease or as part of a background check before being offered a job, said Luther Branham, senior vice president of consumer lending for USAA Federal Savings Bank.
		Your credit report provides a snapshot of your credit history and helps lenders make a quick, objective and accurate assessment of your credit risk.
	findarticles.com /p/articles/mi_m0IBP/is_4_48/ai_n5993098 (419 words)

	Finance Credit Requirements
		Lack of a credit history is not necessarily a mark against you.
		In circumstances not involving bankruptcy, satisfactory credit is generally considered to be reestablished after you have made satisfactory payments for 12 months after the date of the last derogatory credit item.
		If you have prior adverse credit and are participating in a Consumer Credit Counseling plan, you may be determined to be a satisfactory credit risk if you demonstrate 12 months’ satisfactory payments, and the counseling agency approves the new credit.
	www.military.com /Finance/Content?file=Home_Loans_Finances_Credit.htm&area=Content (954 words)

	Columbia Law : Credit
		Since eligibility for all credit-based educational loan programs is determined on the basis of the borrower's credit history, we strongly advise you to obtain a copy of your credit report, which is a snapshot of your credit history.
		Finally, a credit check is required to be eligible for the federal Graduate PLUS loan, but the credit criteria is less stringent than with most credit-based student loans.
		Students with an adverse credit history may not be able to secure the loans necessary to finance their education.
	www.law.columbia.edu /current_student/financial_aid/loans_credit/Credit (451 words)

	Federal Trade Commission
		Applying for credit used to mean asking your neighborhood banker for a loan.
		When you’re applying for individual credit, ask the creditor to consider the credit history of accounts reported in your spouse’s or former spouse’s name, as well as those reported in your name.
		If you name your spouse as the authorized user, a creditor who reports the credit history to a credit bureau must report it in your spouse’s name as well as in yours (if the account was opened after June 1, 1977).
	www.ftc.gov /bcp/conline/pubs/credit/over62.htm (1545 words)

	Experian \| Credit Report Basics
		A copy of your credit report makes it easy for you to understand the information a lender would be seeing if they review your credit history.
		Requests by others to view your credit history will show you who has received information from your credit report and who was given your name during the recent past, as allowed by law.
		On your personal credit report ordered directly from Experian, information about those who inquired for the purposes of extending a pre-approved credit offer are included for your information.
	www.experian.com /credit_report_basics/your_credit_report.html (633 words)

	Credit History
		Consumer credit agencies are required to remove any information from the report that cannot be verified or is shown to be inaccurate.
		If the dispute is not resolved and your credit report is not adjusted to your satisfaction, you have the right to submit a statement or explanation concerning the information you feel is inaccurate.
		If they are not on there, you should contemplate requesting that creditors with whom you have had a good credit history be added to the report.
	www.marketmaker.org /Library/Debt_financing/Credit_History.htm (366 words)

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