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Full Credit Report - This example illustrates how a FICO score can affect "real" life experiences. Bob has a FICO score of 600 and applies for a home mortgage loan. Mary also applies for a home mortgage loan and has a FICO score of 720. According to the Fair Issacs corporation, Bob would likely get an interest rate of 8.531%, while Mary would get an interest rate of 5.702%. On a $300,000 mortgage loan, Bob's monthly payment (principal and interest) would be $2,313 while Mary's monthly mortgage would be $1,742 - a whooping difference of $571. I don't about you but I could surely use an extra $571 in my bank account at the end of the month.

Full Credit Report, This is the infamous area where you've heard of all the scams. Credit repair clinics charge "an arm and a leg" and promise a clean credit report. Sometimes even a new credit profile! People spending hundreds, or even thousands, of dollars for something they can do themselves.

This question allows the consumer to evaluate his or her own credit report and have a better understanding of where they should attempt to keep this number. The "what is a good credit score" question also brings the consumer the ability to track and review his or her credit report regularly. Reviewing a personal account summary's important, as one can quickly identify inaccurate information or possible identity theft. Getting information about a person's account will equip people to take charge of their financial future. Start browsing the Internet and get the information needed to properly evaluate the financial standing. "For wisdom is a defence, and money is a defence: but the excellency of knowledge is, that wisdom giveth life to them that have it" (Ecclesiastes 7:12).

Full Credit Report, Those without internet access can call toll-free at 877-322-8228 or write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 to request their report(s). This service, which begins in the west coast, will eventually cover all the states by September 2005.

To counter the vague parameters provided to the individual consumers, the credit bureaus were also provided with even more abstract rules. According to the legislation, the credit bureaus are required to investigate consumer disputes unless they feel the disputes are “frivolous or irrelevant” and they take full advantage of this leeway. The credit bureaus set up “gatekeepers” who accept all consumer disputes and decide which disputes warrant an investigation, and since these gatekeepers work for the credit bureaus, they are clearly biased towards the credit bureaus and against you. Getting past the gatekeepers becomes the largest hurdle in credit report repair and frequently devolves into a trial and error process of writing letters, waiting, fielding rejections or stall letters, and starting all over again.

To make this more effective, use an aged account. Imagine if your trusted person has a 10 year old credit card account with a perfect payment history and a balance of only 50% of the credit limit. Wouldn't you love to have this on your credit report? The easy part is your trusted person just calls the credit card company and requests a form to add a cardholder. Once completed and activated, their entire account history and future is now firmly planted on your account. Imagine if you secured 3-5 of these accounts - especially installment accounts. Your credit score could sky-rocket!

Full Credit Report - To those tempted to accept the low or zero interest offer, intending later to switch to another at that time the offer expires, a word of caution. Switching reports frequently could harm their FICO.

Treat they with respect or as an individual? Not come up with a one-size-fits-all, cookie-cutter approach to their financial future.

Under the Equal Credit Opportunity Act (ECOA), a credit scoring system may not use certain characteristics -- like race, sex, marital status, national origin, or religion — as factors. However, creditors are allowed to use age in properly designed scoring systems. But any scoring system that includes age must give equal treatment to elderly applicants.

Full Credit Report, Unsecured credit cards have the ability to help you restore your credit if you have arrears, charge offs, or bad credit. Of course, rather or not you get the unsecured credit card will have to do with your current financial stability, earnings, earning potential, and your current credit rating. However, do not let this scare you, major companies like Visa and MasterCard all have programs in which they offer unsecured credit cards to people with bad credit.

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