Home
Site
Search
Poison
Control
Poll,
Message Center
Health
News
Direct
Links or you can visit the Table of Content:
TOC
1
TOC
2
Info
for Non-Medical People
Free
or Reduced Drug Programs
TOC
for MediFocus Informational
Packets, once you have found the information you want, click the logo below to
go to their site.
K.I.S.S.
Instructional Productions™
Legal
Nurse Consulting Program
Mad
Scientist Software
Pt
Simulators,
ACLS
& other Emergency Programs!!!!!!!!
Medical
Reference,
Programs
& other Health Care Provider Equipment
Drug
Info or Drug Search
See
Natural Supplement page for a great article on "natural" vs. "synthetic"
Medication
Health
Care Links
Info
for Nurses
Info
for EMS Providers
EMS
WaistPack's
EXP.com
Links
KEEN.com
Links
Vet
Assistance Program Legal
Assist Program
Credit Assist Program
Social
Security Assist Program
For
Counseling
Services
& Assistance, See the EXP.com or Keen.com Links listed above. Counseling
& Assistance is provided in the areas of:
Family
Relationships
Addiction
Abuse Educational
Professional
or Career
Veteran
or Active Duty
Web
Site Links
A
Tribute to Our Fallen and Missing Brethren!
POW
/ MIA
Webmaster
Site
| |
NAC-4U™
Credit Assistance Program
Fair
Credit Reporting Act
NAC-4U™
Credit Assistance Program
Credit
FAQ's
Fair
Credit Act
5
Good Reason to Check Your Reports, even if you think there is noting wrong
with your credit.
Fixing
Your Report
Request
Form
Credit
Card Programs, Refinancing, Mortgages, Personal & Auto Loans,
Reorganization Programs that are not associated with NAC-4U™
The Fair
Credit Reporting Act as
Amended September 30,1997
Few laws have as a significant
impact on American consumers as the Fair Credit Reporting Act (FCRA).
Amendments to the Act—effective September 30, 1997—benefit consumers
by strengthening privacy provisions and defining more clearly the
responsibilities and liabilities of businesses that provide information
to—and access data from—credit reporting agencies.
Take time to check on your credit report now.
Information in your credit report can affect your ability to get a job,
a mortgage, a loan, a credit card or insurance. A new brochure, Fair
Credit Reporting, explains the FCRA and tells consumers how to
challenge inaccurate or incomplete information in their credit reports.
To obtain a copy of your
credit report contact:
Equifax, 800-685-1111
Experian (formerly TRW), (888) EXPERIAN (397-3742)
Trans Union, 800-916-8800
You can contact the credit bureaus to remove your name
and address from major credit bureau lists for unsolicited credit and
insurance offers for two years. If you complete and return an
"opt-out" form, provided on request from the credit bureau,
you will be off these lists permanently. A phone call or mailing to any
one of the three nationwide credit bureaus will get you off the lists.
To "opt-out" of credit card
and insurance lists:
1-888-5-OPTOUT (1-888-567-8688) for all three credit
bureaus.
Fair Credit Reporting Act
Full Text of Fair
Credit Reporting Act
Summary
of Consumer Rights
Consumer Publications
Fair
Credit Reporting
Business Publications
Consumer
Reports: What Insurers Should Know About Using Them
Credit
Reports: What Information Providers Need to Know
Using
Credit Reports: What Employers Need to Know
Reporting Violations of
the Law
Although the FTC can't act as your lawyer in private disputes,
information about your experiences and concerns is vital to the
enforcement of the Fair Credit Reporting Act.
[http://www.ftc.gov/bcp/conline/complaint.htm]
Credit
and
Your
Consumer
Rights |
December
1997
A good credit rating
is very important. Businesses inspect
your credit history when they evaluate
your applications for credit, insurance,
employment, and even leases. Based on
your credit payment history, businesses
can choose to grant or deny you credit
provided you receive fair and equal
treatment. Sometimes, things happen that
can cause credit problems: a temporary
loss of income, an illness, even a
computer error. Solving credit problems
may take time and patience, but it
doesn’t have to be an ordeal.
The Federal Trade
Commission (FTC) enforces credit laws
that protect your right to obtain, use,
and maintain credit. These laws do not
guarantee that everyone will receive
credit. Instead, the credit laws protect
your rights by requiring businesses to
give all consumers a fair and equal
opportunity to receive credit and to
resolve disputes over credit errors.
This brochure explains your rights under
these laws and offers practical tips to
help you solve credit problems.
Your
Credit Report
Your credit payment history is recorded
in a file or report. These files or
reports are maintained and sold by
"consumer reporting agencies"
(CRAs). One type of CRA is commonly
known as a credit bureau. You have a
credit record on file at a credit bureau
if you have ever applied for a credit or
charge account, a personal loan,
insurance, or a job. Your credit record
contains information about your income,
debts, and credit payment history. It
also indicates whether you have been
sued, arrested, or have filed for
bankruptcy.
The Fair Credit
Reporting Act (FCRA) is designed to help
ensure that CRAs furnish correct and
complete information to businesses to
use when evaluating your application.
Your rights under the
Fair Credit Reporting Act:
- You have
the right to receive
a copy of your
credit report. The
copy of your report
must contain all of
the information in
your file at the
time of your
request.
- You have
the right to know
the name of anyone
who received your
credit report in the
last year for most
purposes or in the
last two years for
employment purposes.
- Any company
that denies your
application must
supply the name and
address of the CRA
they contacted,
provided the denial
was based on
information given by
the CRA.
- You have
the right to a free
copy of your credit
report when your
application is
denied because of
information supplied
by the CRA. Your
request must be made
within 60 days of
receiving your
denial notice.
- If you
contest the
completeness or
accuracy of
information in your
report, you should
file a dispute with
the CRA and with the
company that
furnished the
information to the
CRA. Both the CRA
and the furnisher of
information are
legally obligated to
reinvestigate your
dispute.
You have a right to
add a summary explanation to your credit
report if your dispute is not resolved
to your satisfaction.
Your
Credit Application
When creditors evaluate a credit
application, they cannot lawfully engage
in discriminatory practices.
The Equal Credit
Opportunity Act (ECOA) prohibits credit
discrimination on the basis of sex,
race, marital status, religion, national
origin, age, or receipt of public
assistance. Creditors may ask for this
information (except religion) in certain
situations, but may not use it to
discriminate when deciding whether to
grant you credit.
The ECOA protects
consumers who deal with companies that
regularly extend credit, including
banks, small loan and finance companies,
retail and department stores, credit
card companies, and credit unions.
Everyone who participates in the
decision to grant credit, including real
estate brokers who arrange financing,
must follow this law. Businesses
applying for credit also are protected
by this law.
Your rights under the
Equal Credit Opportunity Act:
- You cannot
be denied credit
based on your race,
sex, marital status,
religion, age,
national origin, or
receipt of public
assistance.
- You have
the right to have
reliable public
assistance
considered in the
same manner as other
income.
- If you are
denied credit, you
have a legal right
to know why.
Your
Credit Billing and Electronic Fund
Transfer Statements
It is important to check credit
billing and electronic fund transfer
account statements regularly. These
documents may contain mistakes that
could damage your credit status or
reflect improper charges or transfers.
If you find an error or discrepancy,
notify the company and contest the error
immediately. The Fair Credit Billing Act
(FCBA) and Electronic Fund Transfer Act
(EFTA) establish procedures for
resolving mistakes on credit billing and
electronic fund transfer account
statements, including:
- charges or
electronic fund
transfers that you
— or anyone you
have authorized to
use your account —
have not made;
- charges or
electronic fund
transfers that are
incorrectly
identified or show
the wrong amount or
date;
- computation
or similar errors;
- failure to
reflect payments,
credits, or
electronic fund
transfers properly;
- not mailing
or delivering credit
billing statements
to your current
address, as long as
that address was
received by the
creditor in writing
at least 20 days
before the billing
period ended;
- charges or
electronic fund
transfers for which
you request an
explanation or
documentation, due
to a possible error.
The FCBA generally
applies only to "open end"
credit accounts — credit cards,
revolving charge accounts (such as
department store accounts), and
overdraft checking accounts. It does not
apply to loans or credit sales that are
paid according to a fixed schedule until
the entire amount is paid back, such as
an automobile loan. The EFTA applies to
electronic fund transfers, such as those
involving automatic teller machines
(ATMs), point-of-sale debit
transactions, and other electronic
banking transactions.
Your
Debts and Debt Collectors
You are responsible for your
debts. If you fall behind in paying your
creditors or an error is made on your
account, you may be contacted by a
"debt collector." A debt
collector is any person, other than the
creditor, who regularly collects debts
owed to others. This includes lawyers
who collect debts on a regular basis.
You have the right to be treated fairly
by debt collectors.
The Fair Debt
Collection Practices Act (FDCPA) applies
to personal, family, and household
debts. This includes money owed for the
purchase of a car, for medical care, or
for charge accounts. The FDCPA prohibits
debt collectors from engaging in unfair,
deceptive, or abusive practices while
collecting these debts.
Your rights under the
Fair Debt Collection Practices Act:
- Debt
collectors may
contact you only
between 8 a.m. and 9
p.m.
- Debt
collectors may not
contact you at work
if they know your
employer
disapproves.
- Debt
collectors may not
harass, oppress, or
abuse you.
- Debt
collectors may not
lie when collecting
debts, such as
falsely implying
that you have
committed a crime.
- Debt
collectors must
identify themselves
to you on the phone.
- Debt
collectors must stop
contacting you if
you ask them to in
writing.
Solving
Your Credit Problems
Your credit report influences
your purchasing power, as well as your
chances to get a job, rent or buy an
apartment or a house, and buy insurance.
A history of timely credit payments
helps you get additional credit.
Accurate negative information can stay
on your report for seven years. A
bankruptcy can stay on your report for
10 years. If you are having problems
paying your bills, contact your
creditors at once. Try to work out a
modified payment plan with them that
reduces your payments to a more
manageable level. Don't wait until your
account has been turned over to a debt
collector.
Here are some
additional tips for solving credit
problems:
- If you want
to contest a credit
report, bill or
credit denial,
contact the
appropriate company
in writing and send
it "return
receipt
requested."
- When you
contest a billing
error, include your
name, account
number, the dollar
amount in question,
and the reason you
believe the bill is
wrong.
- If in
doubt, request
written verification
of a debt.
- Keep all
your original
documents,
especially receipts,
sales slips, and
billing statements.
You will need them
if you dispute a
credit bill or
report. Send copies
only. It may take
more than one letter
to correct problems.
- Be
skeptical of
businesses that
offer instant
solutions to credit
problems.
- Be
persistent.
Resolving credit
problems can take
time and effort.
- There is
nothing that a
credit repair
company can do for
you — for a fee
— that you cannot
do for yourself for
little or no cost.
If you can't resolve
your credit problems yourself or if you
need help, you may want to contact a
credit counseling service. Nonprofit
organizations in every state counsel
consumers in debt. Counselors try to
arrange repayment plans that are
acceptable to you and your creditors.
They also can help you set up a
realistic budget. These services usually
are offered at little or no cost.
Universities, military
bases, credit unions, and housing
authorities also may offer low- or
no-cost credit counseling programs.
Check the white pages of your telephone
directory for a service near you.
[http://www.ftc.gov/bcp/conline/complaint.htm]
|
| |
Contact
Me @ Exp.com
Contact
Me @ Keen.com
Roibot.com
Your 24/7 Automated Marketing
Dept. see their Special
Report
ClickBank
Credit Card Sales w/o a merchant
account
Ask
Jeeves, My
Favorite Search Engine
Forget
passwords, download Gator
4 free
US Search.com Find
out anything about anyone
Products
and Info on How to Quit
Smoking
Get
money by listening online
Earn
a Nursing
Degree online
Need
Help
with a
Term Paper, Thesis or Dissertation?
McAfee.com
Get your FREE Trial.
ABOUT.com
Find Info
online!
EXP.com!
become an Expert
$25
in FREE
postage
Cursos
de Ingles online @ Parlo.com
Webmaster
Tools
Submit
Your Web Site
to over 638,264 Engines
SocialNet.com,
Meet
People
QWest
Internet Yellow
Pages
LowerMyBills
Useful online svc.
VCOM
Cell
phone services, calling cards
$10,000.00
of
Insurance @ no cost!
Drug
Test got
you worried?
AdLand
Submit your site!
Our
Advertisers
Free
Stuff
Barnes
& Nobles Books
Bath
& Beauty
Computer
& Links
Diet
Aids & Links
Glasses
and other eye care products
Great
Deals
Natural
Supplements
Stress
& Sexual Assistance Products
American Red Cross
Items Needed for a
First Aid Kit
What
Questions to ask
BEFORE Surgery
|