Welcome to our Credit Library | Credit, Collections and Legal Resources
Here you will find a topic for every possible debt, credit or legal issue. This is where smart consumers come to research statutes, codes, cases, creditor information, consumer rights and everything about credit repair. Within each article below is a host of hundreds of additional links that relate to that subject so be sure to visit the page to get valuable information. We think we've covered it all but If there is a site or article you want listed, please let us know. Some link inside our site while others may link to an outside source offering valuable information. Check all four categories below- Credit, debt, legal and miscellaneous issues. For more in depth articles, join our site.

CREDIT ISSUES

COLLECTION/DEBT ISSUES

MISC. ISSUES

Why credit repair is so badly needed.
The ugly truth of the not so pretty credit system.

Credit Repair DIY
It may be easier than you think if you are well prepared. By doing the work yourself, you could save a lot of money.

How to fix your credit yourself
A step by step guide along with video of warnings and tips to better credit.

The Credit Bureaus
The credit bureaus are savvy. Understand how the new breed operates

Sample dispute letters
Get sample dispute letters for creditors, collection agencies and credit bureaus (purchase required)

Poor credit vs. good credit
Bad credit can be expensive

One In Four Credit Reports Contains Errors Serious Enough To Wreak Havoc For Consumers
Study conducted by PIRG on sloppiness of credit reports

Do inquiries hurt your credit
Too many inquiries can be a problem to your credit report

Credit repair scams
Find out what to look for in retaining a good credit restoration firm and what to look for in false promises

Credit card billing rights
What rights do you have for a credit card holder? Find out what protects you regarding credit card billing

Identity Theft FAQ
Have you been a victim. Know warning signs and what to do

Your Credit and a Bankruptcy
Is there life after Bankruptcy? Find out what to do to rebuild your credit after you have filed bankruptcy

Credit and divorce
Who is liable for the debts plus links to divorce attorneys and legal documents

Credit Scoring
All about credit scoring and your credit

FICO Blues
What is a good FICO score? What does it take to improve your FICO?

Reporting time for negative credit
Looking to find out how long negative credit can stay on your credit reports? Get a straight answer

7-year rule
How long does bad credit remain - get it straight

Financial blunders
Get the latest on this fast growing crime

Inquiries
Loan shopping can harm a credit score

Using small claims court to repair your credit
Fight back against the CRA, Creditors and Collectors by hitting them in their pocketbook

Court ruling could result in easier credit report disputes for consumers regarding "furnishers of information"
Federal ruling seeks to hold credit card companies responsible for reporting inaccurate information to a credit bureau. It's similar to VOD.

Summary of FCRA
Because your credit report contains private information about you, it is important that you know your legal rights as a consumer

The FCRA
The full Act. Read the Fair Credit Reporting Act in full

Consumers finally Eligible for Free Annual Credit Reports
Information about getting your truly free credit report once a year including the link to the order page

The FACT Act
The Fair and Accurate Credit Transactions Act: How it works

Credit and Consumer Rights
A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases

Using the FCRA to repair your credit
A focus on what sections of the FCRA to use when repairing your credit

Method of verification - secret credit repair tool!
Has the credit bureau told you an investigation is complete but still the negative item remains? Use this tool to fight back and have the item removed

Complete Identity Theft Resource Center
Information on how to deal with and avoid Identity Theft

Consumer Credit Counseling
Are you worried about your incurring debts that cannot be repaid. Our site offers education to consumers regarding different credit related issues

VOD: Validation of Debts
Before you pay the debt, validate it. You may end up free of the debt or with a cleaner credit report

Your Validation Of Debt Plan: Collection Agency VOD
Here is your strategy laid out step by step on what to do if you receive a collection notice

The new breed of debt collectors
Know how they think before you do battle

Best strategies for VOD and debt settlement
Article by professional debt negotiator, Mark Brinker on the issue of validation of debt (VOD) and debt settlement.

Divorce and debt
Information and helpful links regarding divorce, debts & bankruptcy

Battle the debt collectors & win
Learn to deal with nasty debt collectors and win! Find out your rights and how to stop harassment

Debt collector FAQ
More about debt collectors, as this topic can never be discussed enough. Learn to think like a debt collector and arm yourself for battle

SSI Statement
Order your Retirement Statement-Free

Scams and financial blunders
Learn what to avoid and what takes your money

1099-C Factor
Did you know that a charge off is considered income? You need to know this information because it can be considered income

Collection agency list
Find a collection agency that you are receiving notices from or get an address to send a C&D to

Bankruptcy FAQ
Are you considering BK. or filed? Find out what rights you are entitled to under the BK code. BK resources too

Bankruptcy and your car
What happens to my car if I file for bankruptcy?

BK and Statute of Limitations
What if I filed Bankruptcy and it was dismissed. What is the statute of limitations, the date last paid before the BK or the date of the BK petition to promise repayment. Here is an excellent article that answers just that.

Settle your debts the right way
Using Restrictive Endorsements to deal with creditors

Repairing your credit with negotiations
When credit bureau disputes alone are not enough

What is your BATNA- Best Alternative to Negotiated Agreement
An example of how to successfully negotiate with your creditor

Debt Settlement Tactics: Using Negotiations
Be done with debts? Using negotiation and settlement tactics!

How debt collectors find you
An in depth article on the subject and what to do

Child Support issues
Collecting support, Q & A about garnishments and more

The Restrictive Endorsement loop
Offering settlements via the Accord & Satisfaction or Restrictive Endorsement

Accord and Satisfaction FAQ
What's the difference from a Restrictive Endorsement and doing it right

Debt Collection laws nationwide
Complete list of what is required by each state to become a debt collector, bond information, statutes, limitations and information on garnishments

Tax Liens
Everything you need to know about settling taxes and state and federal rules

Medial Collections
Information about the HIPAA Act, your privacy and debt collectors regarding medical bills and collecting them

FDCPA Help
Understand how this powerful law protects you

The Fair Debt Collection Practices Act (FDCPA)
The entire act in text format Soldiers and Sailors Civil Relief Act
Are you or were you in the military and wondering how the Soldiers & Sailors Relief Act protects you

Garnishments FAQ
what is it and how to avoid it and what is exempt

Judgments
Before and after, what happens next and how to settle a judgment

How to vacate a judgment
Learn how to have the judgment vacated and clean up your credit

Statute of Limitations
(SOL) Find out the SOL for your debts & judgments before you pay! Not knowing can hurt you

Passing bad checks
Stiff penalties apply. Learn what can happen for passing bad checks in your state

How to file for bankruptcy.
Step by step with links to the forms and common questions when deciding to file.

What's the difference between debt consolidation and credit counseling?
A very big difference! Find out the facts about which to choose and when

What's the difference between debt negotiations and debt management
Debt settlement or negotiations is quite different than debt management. Learn when to choose which method

How to deal with foreclosure and mortgage issues
Get answers to your questions about your mortgage, what happens if you do not pay and foreclosure proceedings

Canadian and UK Credit
Find a list of the most popular and most recent Canadian and UK links

Student Loan Resources
Find out everything about student loan default, rehabilitation and deferment. Over 5 pages of detailed information to help you out now

Financial Calculators
Please try our wide variety of financial calculators including Mortgage Calculator, Business Valuation Calculator, 1040 Tax Calculator and many more. Interactive calculations, dynamic graphs and fully customizable reports are just a few of the features that make our calculators stand out!

Medical Information Bureau MIB
Medical Information Bureau: Gain access to your medical record

Opting out of Telemarketers
Opt Out of phone lists and solicitation and be added to the "do not call list"

FBI Record
Did you know you have an FBI file? Get a copy of yours!

Legal forms, documents & FAQ's
A great source of information for legal forms and documents powered by Lawinfo

Small claims court
File small claims court forms today using the information provided here

State Attorney Generals
State Attorney General web sites for researching your state's debt and credit protection laws including consumer collection and harassment laws

Summary of your Federal FCRA Rights
Because your credit report contains private information about you, it is important that you know your legal rights as a consumer

Graham Leach Bliley Act
Protect your personal financial information and understand how this Act helps you

State Vs. Federal Rules
The Supremacy Clause and Federal Preemption - State Law versus Federal- Which rules?

Your Rights
You have rights under federal laws. Find out your consumer rights for credit and debt

Repossession Law
Have you had your car repossessed or fear repossession? Find out what lenders can and cannot do to you

Student Loan Rehabilitation
This is the Act itself and what to expect or do if your loans have not been reported right. You have numerous rights under the Higher education act. Find out

State Statutes
Find the laws for your state

Help understanding the FDCPA
Information understanding the Fair Debt Collections Practices Act

The FCRA
The full Act. Read the Fair Credit Reporting Act in full

Bad credit may mean higher car insurance premiums. 70% of credit reports contain errors. Chances are you're paying too much for car insurance

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