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17 May 2023
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Lexington Law and CreditRepair.com: Accused of Telemarketing Sales Rule Violations

17 May 2023
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Lexington Law and CreditRepair.com: Accused of Telemarketing Sales Rule Violations Introduction Telemarketing is a marketing strategy used by businesses to reach potential customers over the phone. However, telemarketers often cross the line between being persuasive and becoming aggressive, leading to several complaints from consumers. To protect consumers from such harassment, the Federal Trade Commission (FTC) created the Telemarketing Sales Rule. The Telemarketing Sales Rule (TSR) is a set of rules established in 1995 by the FTC to protect consumers from deceptive and abusive telemarketing practices. The rule applies to any person or company that makes or initiates telemarketing calls in...

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17 May 2023
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Do You Need Legal Help for a Credit Report Dispute?

17 May 2023
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Do You Need Legal Help for a Credit Report Dispute? Credit reports are an essential part of modern life. They are used to track your financial behavior and determine your credit score. This score is used by lenders, landlords, and employers to determine if you are a responsible individual who can be trusted with credit, housing, or employment. Because of this critical role in our lives, it is essential that credit reports are accurate and up-to-date. The Importance of Credit Reports Credit reports contain significant information about your financial history, such as your payment history, open accounts, collections accounts, bankruptcies,...

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17 May 2023
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How Do You Get a Credit Score?

17 May 2023
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How Do You Get a Credit Score? The first step to getting a credit score is to establish a credit history with at least one lender that reports your activity to the credit bureaus. This can be done by applying for a secured or unsecured credit card, student loans, or other forms of financing that you can pay back on time.The next step is to monitor your credit regularly and ensure there are no errors on your report. You can obtain a free copy of your report from each of the three major consumer reporting agencies, Equifax, Experian, and TransUnion...

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17 May 2023
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How do student loans affect my credit report?

17 May 2023
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How Do Student Loans Affect My Credit Report? The Definition of Student Loans Student loans are financial aids offered to students who wish to further their education but do not have the means to pay for it themselves. These loans are intended to cover the cost of tuition, books, and living expenses while attending school. The most common types of student loans include federal student loans and private student loans. Federal student loans are funded by the government and come with fixed interest rates. Private student loans, on the other hand, are offered by banks or other financial institutions and...

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17 May 2023
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How Long Does it Take to Build Good Credit?

17 May 2023
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How Long Does it Take to Build Good Credit? The Importance of Good Credit Credit is an essential factor in many aspects of life. Having good credit can open doors to opportunities like qualifying for a mortgage, getting approved for a credit card, and even being considered for a job. Good credit shows financial responsibility and stability and can be an indicator that someone is less likely to default on payments. On the other hand, bad credit can have the opposite effect. It can lead to higher interest rates, difficulty getting approved for loans or leases and even affect one's...

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16 May 2023
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How Credit Scores Are Calculated

16 May 2023
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How Credit Scores Are Calculated Introduction: In today's digital era, your credit score serves as a financial fingerprint, influencing your ability to secure loans, credit cards, or even rent an apartment. But do you know the intricate workings behind credit score calculation? In this comprehensive guide, we will unveil the mysteries of credit scoring, dissecting the factors that shape your score, and offering valuable insights to enhance your financial well-being. The Basics of Credit Scores A credit score is a numerical representation of your creditworthiness, a three-digit number that lenders use to assess your financial trustworthiness. Its significance cannot be...

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16 May 2023
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The Structure of a Credit Report

16 May 2023
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Structure of a Credit Report Section Description Personal Information Contains details such as your full name, current and previous addresses, date of birth, Social Security number (or other identification number), and employment history. This section provides key identifying information to ensure that the credit report corresponds to the correct individual. It's important to review this section for accuracy and report any discrepancies to the credit reporting agency. Credit Summary Provides a summary of your credit accounts. It includes the number of open and closed accounts, types of accounts (e.g., credit cards, loans), credit limits, balances, and payment status. This section...

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16 May 2023
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Credit Repair Companies vs Credit Report Lawyers

16 May 2023
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Credit Repair Companies vs Credit Report Lawyers. Which One To Use. Comparing credit repair companies and credit report lawyers can be essential for individuals who are facing credit-related issues and are seeking assistance to improve their credit standing. Both options have their own advantages and disadvantages, and the choice between the two depends on your specific circumstances and needs. Credit Repair Company Credit Report Lawyer Services Provided Assistance with disputing inaccurate or outdated information on credit reports, credit counseling, credit monitoring services, debt negotiation/settlement. Legal representation and advice specifically related to credit reporting issues, handling disputes, lawsuits against credit bureaus...

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16 May 2023
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Credit Repair Company vs Credit Report Lawyer – You Decide

16 May 2023
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Credit Repair Company vs Credit Report Lawyer - You DecideIntroduction Credit repair is a process of improving an individual's credit report, by removing errors and negative items that adversely affect their credit score. This can be done through a credit repair company or a credit report lawyer. The purpose of this article is to compare and contrast the services provided by these two types of professionals, in order to help readers make an informed decision about which option may be best for their unique needs. Credit repair companies are businesses that offer services to help individuals improve their credit scores,...

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16 May 2023
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Factors to Consider When Selecting a Credit Repair Company

16 May 2023
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Factors to Consider When Selecting a Credit Repair Company: Reputation and Track Record: Check online reviews and ratings on platforms like Google, Yelp, and Trustpilot to gauge the experiences of previous clients. Visit the Better Business Bureau (BBB) website to check the company's rating and any complaints or legal actions filed against them. Look for any regulatory actions taken by organizations such as the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC). Legitimacy and Compliance: Verify that the company is licensed, bonded, and registered to operate in your state. Check if they are compliant with the Credit...

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