Amazines Free Article Archive
www.amazines.com - Thursday, February 02, 2023
Read about the most recent changes and happenings at Amazines.com
Log into your account or register as a new author. Start submitting your articles right now!
Search our database for articles.
Subscribe to receive articles emailed straight to your email account. You may choose multiple categories.
View our newest articles submitted by our authors.
View our most top rated articles rated by our visitors.
* Please note that this is NOT the ARTICLE manager
Add a new EZINE, or manage your EZINE submission.
Add fresh, free web content to your site such as newest articles, web tools, and quotes with a single piece of code!
Home What's New? Submit/Manage Articles Latest Posts Top Rated Article Search
Google
Subscriptions Manage Ezines
CATEGORIES
 Article Archive
 Advertising (133542)
 Advice (161603)
 Affiliate Programs (34788)
 Art and Culture (73848)
 Automotive (145697)
 Blogs (75515)
 Boating (9851)
 Books (17221)
 Buddhism (4129)
 Business (1330360)
 Business News (426439)
 Business Opportunities (366506)
 Camping (10971)
 Career (72792)
 Christianity (15846)
 Collecting (11639)
 Communication (115086)
 Computers (241941)
 Construction (38959)
 Consumer (49950)
 Cooking (17081)
 Copywriting (6732)
 Crafts (18205)
 Cuisine (7549)
 Current Affairs (20309)
 Dating (45905)
 EBooks (19703)
 E-Commerce (48251)
 Education (185488)
 Electronics (83521)
 Email (6439)
 Entertainment (159838)
 Environment (28934)
 Ezine (3040)
 Ezine Publishing (5452)
 Ezine Sites (1550)
 Family & Parenting (110994)
 Fashion & Cosmetics (196577)
 Female Entrepreneurs (11853)
 Feng Shui (133)
 Finance & Investment (310587)
 Fitness (106446)
 Food & Beverages (63025)
 Free Web Resources (7939)
 Gambling (30227)
 Gardening (25197)
 Government (10514)
 Health (630006)
 Hinduism (2206)
 Hobbies (44080)
 Home Business (91594)
 Home Improvement (251178)
 Home Repair (46228)
 Humor (4719)
 Import - Export (5456)
 Insurance (45104)
 Interior Design (29607)
 International Property (3488)
 Internet (191022)
 Internet Marketing (146682)
 Investment (22860)
 Islam (1161)
 Judaism (1352)
 Law (80476)
 Link Popularity (4596)
 Manufacturing (20905)
 Marketing (99291)
 MLM (14140)
 Motivation (18233)
 Music (26999)
 New to the Internet (9497)
 Non-Profit Organizations (4048)
 Online Shopping (129731)
 Organizing (7810)
 Party Ideas (11855)
 Pets (38153)
 Poetry (2229)
 Press Release (12687)
 Public Speaking (5641)
 Publishing (7565)
 Quotes (2407)
 Real Estate (126632)
 Recreation & Leisure (95470)
 Relationships (87658)
 Research (16181)
 Sales (80347)
 Science & Technology (110284)
 Search Engines (23510)
 Self Improvement (153287)
 Seniors (6218)
 Sexuality (35999)
 Small Business (49298)
 Software (83022)
 Spiritual (23502)
 Sports (116153)
 Tax (7662)
 Telecommuting (34073)
 Travel & Tourism (308216)
 UK Property Investment (3122)
 Video Games (13382)
 Web Traffic (11781)
 Website Design (56914)
 Website Promotion (36653)
 World News (1000+)
 Writing (35843)
Author Spotlight
NOEL IRELAND

You will feel a different sort of happiness as you associate yourself with any animal, you will be a...more
M HALL

M is an audio designer, photographer, jack-of-all-trades who's decided to add 'freelance writer' to ...more
NATASHA SEAN

Connect with Ask Assignment Help for urgent assignment help, online exam help, a href="https://www....more
ALEX ZWIGGELAAR

A.Zwiggelaar is always interested to improve his life, especially his health, to live a life without...more
AVINASH KUMAR

Avinash Kumar is an Freelance eMarketing enthusiast who loves to help people in developing effective...more


Are You Falling For Common Credit Myths? by Megan Eisenhower





Article Author Biography
Are You Falling For Common Credit Myths? by
Article Posted: 10/17/2013
Article Views: 67
Articles Written: 24
Word Count: 449
Article Votes: 0
AddThis Social Bookmark Button

Are You Falling For Common Credit Myths?


 
Business,Finance & Investment
Virtually all adults in industrialized countries understand the importance of paying their bills on time. However, even the most financially-savvy people can fall for common credit myths. Discover whether your beliefs fall in line with credit myths or credit facts.

1) MYTH OR FACT? Your old college roommate stole your Social Security number and took out a bunch of credit cards in your name. She didn't pay them, and now your credit rating is trashed. You called the police and the credit card lenders, but other than that you have to grin and bear it.

MYTH. Under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) you have the right to demand that only accurate information is reported to your credit profile. The process can be long and sometimes exhausting, but you can dispute the negative accounts with the credit bureaus. Having a police report and other evidence of the identity theft will help you clear your name. You may also wish to find an attorney who can represent you against your former roommate. Even if criminal charges are never filed, you may be awarded money if you are able to successfully sue the person who stole your identity. Identity theft is not cool and is also illegal - don';t just grin and bear it! 2) MYTH OR FACT? Bill collectors keep calling you at work even though you have repeatedly asked them to stop. Now one of them has called your boss and discussed your late Victoria's Secret credit card bill. This embarrassed you in many ways and now you literally want to hide while at work. This collection agency has repeatedly violated the law and could be sued for monetary damages.

FACT. One of the biggest credit myths is that debt collectors have the right to act intrusively and even abusively. However, the FDCPA offers you numerous protections especially when it comes to calls from bill collectors. Not even your insurance company can legally discuss your account with anyone without your consent. Also, if you ask a debt collector to stop calling you at work or on your cell phone they must comply. In fact, you could even demand they stop calling you entirely by writing a "cease and desist" letter.

Always remember, the best way to avoid falling for common credit myths is to consistently live within your means and save money for financial emergencies. Remember to pay yourself first from every salary check you receive. A good figure to start with is 10 percent and it should be increased as time passes. You should be saving for many things like a house, retirement, car, and education for your kids.

Related Articles - credit, score,

Email this Article to a Friend!

Receive Articles like this one direct to your email box!
Subscribe for free today!

 Rate This Article  
Completely useless, should be removed from directory.
Minimal useful information.
Decent and informative.
Great article, very informative and helpful.
A 'Must Read'.

 

Do you Agree or Disagree? Have a Comment? POST IT!

 Reader Opinions 
Submit your comments and they will be posted here.
Make this comment or to the Author only:
Name:
Email:
*Your email will NOT be posted. This is for administrative purposes only.
Comments: *Your Comments WILL be posted to the AUTHOR ONLY if you select PRIVATE and to this PUBLIC PAGE if you select PUBLIC, so write accordingly.
 
Please enter the code in the image:



 Author Login 
LOGIN
Register for Author Account

 

Advertiser Login

 

ADVERTISE HERE NOW!
   Limited Time $60 Offer!
   90  Days-1.5 Million Views  

 

Great Paranormal Romance


SUSAN FRIESEN

Susan Friesen, founder of the award-winning web development and digital marketing firm eVision Media...more
STEPHEN BYE

Steve Bye is currently a fiction writer, who published his first novel, ‘Looking Forward Through the...more
GENE MYERS

Author of four books and two screenplays; frequent magazine contributor. I have four other books "in...more
TIM FAY

After 60-plus years of living, I am just trying to pass down some of the information that I have lea...more
LAURA JEEVES

At LeadGenerators, we specialise in content-led Online Marketing Strategies for our clients in the t...more
LINDA DECANN

Linda DeCann is US based pursuing her career as brand ambassador. Previously she has helped hundreds...more
MAX LIEW

I have a passion for graphics, photography, and website design. I worked as a graphic designer for a...more
DUNG NGUYEN MANH

AloTrip International Limited the field of travel services. We provide travelers all necessary infor...more
ALEX BELSEY

I am the editor of QUAY Magazine, a B2B publication based in the South West of the UK. I am also the...more
STEVERT MCKENZIE

Stevert Mckenzie, Travel Enthusiast. ...more

HomeLinksAbout UsContact UsTerms of UsePrivacy PolicyFAQResources
Copyright © 2023, All rights reserved.
Some pages may contain portions of text relating to certain topics obtained from wikipedia.org under the GNU FDL license