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Equal Credit Opportunity

What can a creditor legitimately ask me when I apply for credit?

Can a creditor evaluate my income differently if I work part-time or am living on public assistance?

Is there any difference between being single or married when I apply for credit?

Do I have to use my married name in credit applications?

This page outlines what a creditor can and cannot ask you about in reference to obtaining credit, and what a creditor may not consider when they are deciding whether or not to extend credit to you. Towards the bottom of the page, there is contact information for those who feel that they have been discriminated against.

 

Credit Scoring

What is a credit score?

What factors make up my credit score?

How can I improve my credit score?

This page outlines credit scoring: what it is, how it is used, and what to do to improve your score.

Your Access to Free Credit Reports

How can I get a copy of my credit report?

Do I have a right to know what's in my credit report?

Do I have to pay to get a copy of my credit report?

What can I do about errors on my credit report?

Can anyone else like my employer or landlord get a copy of my credit report?

How long does it take for truthful, negative information to get off of my credit report?

Where can I report violations of the fair credit reporting act?

This page contains answers to frequently asked questions about the right to obtain a credit report under the Fair Credit Reporting Act, and how to contact credit reporting agencies.

Credit Repair: How to Help Yourself

Should I pay someone to "repair" my credit?

How can I repair my own credit?

Shows how credit repair proposals for money are scams. Also, if you do decide to try one, what you should watch out for. If you have already tried one of these scams, what you can do about it.

Credit and Divorce

Am I responsible for my spouse's bills?

What should I do about our joint accounts if I am thinking of a divorce?

The pro's and con's of individual and joint accounts in marriage as well as what happens to such accounts in divorce. Gives advice on what to do when you are contemplating or recently have gotten a divorce.

How to Present a Charity Care Defense to a Lawsuit for Hospital Debt Collection

What is Charity Care?

How will I know about the hospital's Charity Care program?

Am I Eligible for Charity Care?

I have medical insurance.  Should I still apply for Charity Care?

When can I apply for Charity Care?

Where can I get a Charity Care application form?

How does the hospital decide if I am eligible for Charity Care?

What if the hospital has gotten a judgment against me for hospital services that Charity Care should have covered?

 

By: editor1
Last Updated: December 7, 2011 - 3:08pm

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