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What are three important federal laws regulating consumer credit?
The Fair Credit Reporting Act promotes the accuracy and privacy of information in consumer credit reports. It also controls the use of credit reports and requires consumer reporting agencies to maintain correct and complete files. The Equal Credit Opportunity Act requires that individual creditors apply credit standards in a fair manner.
How can one apply for a non-profit consumer credit counseling service?
When one wants to apply for a non-profit consumer credit counseling service, one might want to notify the Federal Trade Commission first to find out what steps must be followed to become a legitimate business.
Who has access to personal consumer credit reports?
A consumer has access to his own credit. When you apply for loans, you authorize the lender to pull your credit. You also give permission to prospective employers as well as in other matters where the information is relevant. Collection agencies pull your credit to research information about your situation, your employer, current address, etc. The general public does not have access to credit files. Those who have access to personal consumer credit reports, are the credit agencies, credit card companies (should you apply), mortgage firms and banks, and car dealerships (should you buy a car and not pay in cash).
What kinds of products does MBNA Canada sell?
MBNA Canada specializes in consumer credit cards. They aren't actually selling these credit cards. You can apply for one through their website or via the phone.
Do the Mortgage Brokers in Australia need a license?
Up until 31 of June 2010 there was no need to have a specific licence to provide a service for mortgage broking in Australia.However, from 1 July 2010 the Australian Securities and Investment Commission (ASIC) took over the regulation of consumer credit and finance broking under the National Consumer Credit Protection Act 2009 (National Credit Act).The National Credit Act requires that all Mortgage Brokers apply for an Australian Credit License by 31 December 2010, if they wish to continue to provide these types of credit services. Australian Securities and Investment Commission (ASIC) have also established certain competence and training requirements for Australian Credit Licensees.For a company to be granted an Australian Credit License the company must comply with a strict set of regulations designed to promote ethical business practices and consumer protection.What does it mean for you? If you are looking to buy a new property or would like to re-finance an existing one, you must be sure that any of your financial broker is fully compliant under the National Credit Act. Deal only with the top service providers. The professional mortgage broker will be able to deliver best possible results based on your lending needs and requirements.
I need some plumbing supplies to finish my bathroom. Do you know if Home Depot offers a credit card?
Yes, Home Depot offers both consumer and commercial credit cards. You can get a discount of up to 10% on everyday items from Home Depot if you use the consumer credit card. You can apply for the card either online or at the nearest Home Depot store.
Is statute of limitations on credit report 7 years no matter where you live?
Statute of limitations apply to crimes and civil law suits. Civilian credit reports are typically limited to seven years by consumer protection laws.
How can a consumer use credit wisely?
Keep your utilization rate at 20% or less. Keep your oldest accounts open, do not close them. Do not apply for credit more than once every 6 months. Pay your bills on time.
How can one apply for a credit card?
There are numerous ways to apply for a credit card. One can visit the the websites for banks and apply online for their credit card. One can also call the credit card company they wish to apply for and apply over the phone or have them mail them the application.
Where can one apply for credit cards with rewards?
One can apply for credit cards with rewards at websites such as Credit Cards and Credit. Other websites that one can apply for these cards at include Visa and TTBank.
Have you received a credit card that you didn't apply for?
No, I have not received a credit card that I didn't apply for.
How can one apply for a credit card from Credit One Bank?
You can easily apply for a Credit One credit card on the official website of Credit One Bank. You can apply online and see if you're approved in under one minute.
