The Fair and Accurate Credit Transactions Act (FACT Act) of 2003 allows everyone to receive one free credit report from each of the three main credit-reporting agencies once a year. How to Get Your Report Equifax, Experian and TransUnion, the three main credit-reporting agencies, created a central source, AnnualCreditReport.com, where […]
debt management
3 posts
You may think you need to keep a major credit card for emergencies, or you want to pay an unsecured debt because you feel an obligation to a “friendly” lender. The point of bankruptcy is to get you out of the debt and give you a fresh start, free of […]
This morning I took my car to the dealer for its routine 5000 mile maintenance (oil change, tire rotation, and “quality vehicle inspection”). I had just sat down when I saw the service rep came toward me, not with bad news about a major car problem, but to