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Stuart Hunter's Articles in Finance

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Whether or Not You Believe Credit Repair Works, You are Correct Credit repair works for those people who are willing to devote the time and resources towards fixing their credit reports. Conversely, those who do not believe in credit repair will never see the benefits it can provide. Credit Bureaus: Fact and Fiction Many people have some common misconceptions about the true nature of the credit bureaus that could be argued is exactly what the credit bureaus want. This is because these misconceptions give people the impression that there is little they can do about their credit. Learning the facts about the credit bureaus and the credit reporting system is the first step in taking control of your credit. Report Card for the FCRA While the FCRA has made a positive impact on the credit reporting system, there are still a number of fundamental flaws in how your credit reports are constructed and how your credit scores are calculated. These flaws result in an unfair credit system that more often than not, punishes the consumer and rewards lenders. Credit Repair is Not Just a Right ... It's a Responsibility Making sure your credit reports are accurate is your responsibility and if there are errors in your credit reports, you are going to have to be the one to repair them. You have the right to repair your credit report but even further than that, you have the responsibility to repair your credit. CROA and Credit Repair Scams The Credit Repair Organizations Act (CROA) helps protect you from a credit repair scam while also allowing you to receive help with your credit repair efforts. Understanding the basics of CROA is a good starting point when shopping for a credit repair service.