The Fair Credit Reporting Act
- Everyone who has ever applied for a charge account, a personal loan, insurance, or a job, has a file about him or her. It contains information on where they work and live, how they pay their bills, and whether they've been sued, arrested, or filed for bankruptcy. You can also get your free credit score when subscribed to credit monitoring services.

How to Resolve Credit Problems
- Once you have gotten your credit reports from all three reporting agencies, or, better yet, from a company that combines all three into one report, there is a specific procedure for removing and correcting items, or adding your own statement.

How long does negative information stay on my credit report?
- Negative information can be removed if it can no longer be verified by the parties involved. Otherwise, only time can remove accurate negative items. Most negative items are automatically removed after seven years from the original delinquency date.

Billing errors and disputes
- What can you do if you have been billed for merchandise you returned or never received? What if your credit card company charged you twice for the same item or failed to credit a payment to your account?

Re-Establishing credit
- If you've had some credit problems, or if you've never had any credit, you can start building a good credit history. Suppose you haven't financed a car loan, a computer, or some other major purchase recently. You've been paying cash either because you wanted to, or had to. How do you begin to establish credit?

Credit Repair Organizations
- No one can legally remove accurate and timely negative information from a credit report. But the law does allow you to request a reinvestigation of information in your file that you dispute as inaccurate or incomplete.

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