Illegal Credit Inquiry

Legal Services

1. Ongoing Legal Protection

These days lawyers are a fact of life. From simple will preparation and traffic ticket defense to IRS Audit protection, this program offers you pre-paid legal plans and provides access to justice. Designed with the cost-conscious consumer in mind, for less than a dollar a day, you can have much needed protection and peace of mind. Available throughout the United States.

Everyone needs these services:

2. One Time Legal Situation

Credit Report Scores - Computing Then

Your credit report scores are based on factors that appear in your credit reports:

• Bill payment history (Good: on time and for the full amount)
• Total outstanding debt (Good: non-mortgage loan payments less than 5% of gross income)
• Types of debt (Good: mortgage, car loans, Bad: high credit card debt)
• Length of credit history (Good: 3 or more years of on time payments)
• Credit inqueries (Bad: many rejected applications)

The Equal Credit Opportunity Act (ECOA) prohibits certain factors from being used in determining your credit report score:

• Personal details such as sex, marital status, age, race, national origin, or because you receive public assistance income
• Sources of income such as regular alimony, child support, or separate maintenance payments

The Equal Credit Opportunity Act provides actions for you to take if suspect unauthorized factors are being used to deny you credit.

If you've found this site useful, please link to it so that others can benefit. Use the following in your link:

Link text:	Credit Report Scores - See and Improve Them
Description:	Credit report scores affect your ability to get a loan, buy a home, and even get a job. Find out how to see and improve your score.
Link to:	http://www.credit-report-scores.us