Checking Your Credit is More Important than Ever

Credit reports and scores are being used for more than borrowing and lending, which is why it’s important to make sure yours is accurate. Now, the three national credit-reporting agencies have implemented the first phase of sweeping changes to their businesses, including how they handle disputes. Jill Schlesinger reports.

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DISCOVER FINANCIAL PEACE NOW

You can increase your credit score by removing outdated and inaccurate information from your credit report. The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies.

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YOU HAVE RIGHTS

Under the "Fair Debt Collection Practices Act" you are protected from harassing bill collectors and creditors. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.

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WHAT FICO® MEANS TO YOU

Your FICO score is calculated from many different pieces of credit data in your credit report. This data is grouped into five categories. Your FICO Score consider both positive and negative information in your credit report. More about FICO

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