Sentences with phrase «contained on their consumer credit»

The Credit People offers basic credit repair assistance by helping customers dispute the negative, inaccurate information contained on their consumer credit reports.

Not exact matches

The panel is based on credit report data collected by Equifax (one of the three credit bureaus in the United States) and it contains information on all outstanding loans — including mortgages, auto and student loans, and credit card debt — at the individual consumer level.

A nominal charge not to exceed $ 5 may be imposed on you by the consumer reporting agency for a copy of the consumer report containing all the information in your file, if you have not been denied credit within 30 days from the receipt of your request.

The reason credit reports contain any information at all is because businesses provide data on each consumer with which they have a business relationship.

If the Lender denies your request for credit, and that action is based in whole or in part on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report from the credit reporting agency which compiles and maintains files on consumers on a nationwide basis.

(1) Before executing a contract or agreement with or receiving money or other valuable consideration from a buyer, a credit services organization shall provide the buyer with a written statement containing: (a) A complete and detailed description of the services to be performed by the credit services organization for the buyer and the total cost of the services; (b) A statement explaining the buyer's right to proceed against the surety bond or surety account required by section 45 - 805; (c) The name and address of the surety company that issued the bond or the name and address of the depository and the trustee and the account number of the surety account; (d) A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer reporting agency as provided by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling sercredit services organization shall provide the buyer with a written statement containing: (a) A complete and detailed description of the services to be performed by the credit services organization for the buyer and the total cost of the services; (b) A statement explaining the buyer's right to proceed against the surety bond or surety account required by section 45 - 805; (c) The name and address of the surety company that issued the bond or the name and address of the depository and the trustee and the account number of the surety account; (d) A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer reporting agency as provided by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling sercredit services organization for the buyer and the total cost of the services; (b) A statement explaining the buyer's right to proceed against the surety bond or surety account required by section 45 - 805; (c) The name and address of the surety company that issued the bond or the name and address of the depository and the trustee and the account number of the surety account; (d) A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer reporting agency as provided by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling serCredit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling sercredit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling sercredit counseling services.

A complete and accurate statement of the consumer's right to dispute the completeness or accuracy of any item contained in any file on the consumer that is maintained by any consumer reporting agency, as provided under the Federal Fair Credit Reporting Act (15 U.S.C. § 1681i);

A statement that a nominal charge may be imposed on the consumer by the consumer reporting agency for a copy of the consumer report containing all information in the consumer's file, if the consumer has not been denied credit within thirty days from receipt of the consumer's request;

It contains information on credit repair regulations and consumer rights, and is designed for both effective credit repair and educational opportunity.

[FN11] The major practical ramifications of this act include a requirement for credit repair organizations to provide consumers with a written contract [FN12] containing significant disclosures, [FN13] cancellation rights for consumers, [FN14] and a bar on advance payments for credit repair services.

A complete and accurate statement of the consumer's right to review any file on the consumer maintained by any consumer reporting agency, and the right of the consumer to receive a copy of a consumer report containing all information in that file as provided under the Federal Fair Credit Reporting Act (15 U.S.C. § 1681g);

Credit reports contain information on various types of loans extended to consumers like lines of credit, also known as credit cards and mortCredit reports contain information on various types of loans extended to consumers like lines of credit, also known as credit cards and mortcredit, also known as credit cards and mortcredit cards and mortgages.

Credit reporting agencies are required, on request, to disclose to consumers both the nature and substance of information that is contained in their credit bureau reCredit reporting agencies are required, on request, to disclose to consumers both the nature and substance of information that is contained in their credit bureau recredit bureau records.

Online quotes are estimates only, based on information you provide, and are subject to change based on verification of information, including identification of the property or risk to be insured, claim and credit history, and / or information contained on other consumer reports.Receipt of an online insurance quote does not guarantee that your application will be accepted should you apply for insurance.

As a consumer in South Africa under the National Credit Act (NCA), you have the right to dispute inaccurate information contained on your credit report prCredit Act (NCA), you have the right to dispute inaccurate information contained on your credit report prcredit report profile.

My personal opinion is that inaccurate negative items that appear on a consumers credit report also greatly affect a consumers access to credit and it's not unreasonable to ask that these negative items contain those three basic data points mentioned above.

Consumer reports may contain information bearing on your creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of living.

But that meant credit - score improvement for only about 6 % of consumers, FICO said, because those changes largely occurred on accounts that already contained other derogatory information.

A statement that a nominal charge may be imposed on the consumer by the consumer reporting agency for a copy of the consumer report containing all information in the consumer's file, if the consumer has not been denied credit within 30 days from receipt of the consumer's request;

A person may not procure a consumer report for employment purposes where any information contained in the report bears on the consumer's creditworthiness, credit standing, or credit capacity.

The regulation of margin lending, contained in the Corporations Legislation Amendment (Financial Services Modernisation) Act which commenced on 1 January 2010, is part of the Government's national regulation of consumer credit.

Experian's spokeswoman said a consumer's credit report contains four types of data on the borrower: identifying information (including name, address, phone number, Social Security number, date of birth and spouse's name), account history (individual credit account information such as the date opened, credit limit or loan amount, balance, monthly payment, payment status and payment history), data from public records (such as federal bankruptcy records, tax liens, monetary judgments and overdue child support payments) and a record of inquiries into your credit history.

No employer or potential employers shall procure a consumer report or investigative consumer report, or cause either to be procured, for purposes of employment or making an adverse employment action if any information contained in the report bears on the employee's or potential employee's credit worthiness, credit standing, or credit capacity.

If an employer relies on consumer credit information to take adverse action, the employer must disclose this fact and the particular information relied upon to the employee or applicant.Exceptions Penalties Status «Substantially related» means the information contained in the credit report is related to the position for which the employee is being evaluated because the position: 1.

«The Economic Growth, Regulatory Relief, and Consumer Protection Act contains some favorable provisions for the housing industry, including expanding Fannie Mae and Freddie Mac's use of alternative credit scoring models; holding Property Assessed Clean Energy, or PACE, loans more accountable; and improving access to manufactured housing, as well as easing credit through reduced regulatory burdens on smaller community banks and credit unions,» said NAR President Elizabeth Mendenhall in a statement.

Another important change: The bill contains an entire section called «Protecting Consumers» Credit,» and it would require credit reporting agencies to place a security freeze on consumers» credit reports for free (if the consumer requeConsumers» Credit,» and it would require credit reporting agencies to place a security freeze on consumers» credit reports for free (if the consumer requestsCredit,» and it would require credit reporting agencies to place a security freeze on consumers» credit reports for free (if the consumer requestscredit reporting agencies to place a security freeze on consumers» credit reports for free (if the consumer requeconsumers» credit reports for free (if the consumer requestscredit reports for free (if the consumer requests one).