department of consumer affairs
A consumer reporting agency is an agency that collects information on certain individuals. They then sell this information to possible creditors to help them decide the credit worthiness of the individual (or whether a person should be allowed extended credit).
Some organizations that offer consumer credit counseling services include the Association of Independent Consumer Credit Counseling Agency and Consumer Credit Corporation. Another company in the same industry you may bee interested in is the National Foundation for Credit Counseling.
A regular consumer agency collect and sell information about the creditworthiness of individuals. A credit reporting agency doesn't make any decisions about whether a specific person should be extended credit or not. Instead, it collects information that it considers relevant to a person's credit habits and history, and uses this information to assign a credit score to indicate how creditworthy a person is.
there is no difference, it is the same. They were called Credit reaporting agencies several years ago, then the terms was changed to consumer reporting agencies as they are not used for more than just Credit Reporting.
Their are certainly credit agencies that can help you monitor your credit, however, they usually come with a maintenance fee. Creditscore.com is a reputable credit agency.
The Credit Rating Agency is a hub that gathers data from creditors and puts the data together into a single individual consumer credit report. Lenders use there reports in order to determine a borrower's credit worthiness.
File a consumer dispute with the credit reporting agency. You can do that online as each reporting agency has it's own website.
If you identify information in your credit file that is incomplete or inaacurate, and report it to the consumer reporting agency, the agency must investigate unless your dipute is frivolous. See www.ftc.gov/credit for an explanation and procedures
Consumers don't report their own credit history to credit reporting agencies - Lenders do. However, you can file a consumer alert with each of the agencies that will put your statement on file.
A consumer credit consolidation counselor is usually a nonprofit counselor for debt consolidation. Those who are paid typically charge astronomical rates to the consumer.
30 days from the receipt of your letter
None. They all have rates of inaccuracy and about 70% of all consumer reports contain errors.