Credit Resource Center

FREE E-Newsletter - Subscribe to a FREE monthly E-Newsletter entitled, "The Debt-Freedom Express". This newsletter provides monthly updates, tips and articles to assist our clients with their debt-elimination & financial goals.	Debt Crisis Solutions - If you find yourself in a crisis situation; (falling behind on debt payments, creditors harassing you, or not enough money to pay monthly debt payments), then DFS can evaluate your situation to determine the best solution for you. If you are in a crisis situation give us a call today 1-888-893-6394.
Credit Report Issues Free Annual Credit Report - There is only one website providing free annual credit reports under Federal law: annualcreditreport.com, and this publication warns consumers about "imposter" sites. Building a Better Credit Report - Learn how to legally improve your credit report, how to deal with debt, how to spot credit-related scams, and more. Credit Reporting Agencies Credit Scoring & How it Works How your credit is scored - Explains the system creditors use to help determine whether to grant you credit. Credit Grading - How mortgage companies view your credit based on your score & other factors. How To Establish Credit History What to Do After You Are Denied a Loan What to do after you have been denied a mortgage loan to get your credit back in order. Credit Repair - Explains how you can improve your credit worthiness and lists legitimate resources for low or no-cost help. Fair Debt Collection Practices Act Answers commonly asked questions about your rights under the Fair Debt Collection Practices Act, which requires that debt collectors treat you fairly and prohibits certain methods of debt collection Your Rights Under the Fair Credit Reporting Act Answers commonly asked questions about your rights under the Fair Credit Reporting Act. Credit & Your Consumer Rights - Answers commonly asked questions about your rights as a consumer of credit. How to Dispute Credit Report Errors - Explains how to dispute and correct inaccurate information in your credit report. Includes a sample dispute letter. Pre-screened Offers of Credit & Insurance - How pre-screened offers affect your credit rating and how to opt out of pre-screened inquiries. How to deal with Creditors when out of work Bad Credit & Job Searches - Bad credit can affect a job search. Learn how your rights concerning credit and job searches. Getting Credit When You're Over 62 - Under the Federal Equal Credit Opportunity Act, it's against the law for a creditor to deny you credit or terminate existing credit simply because of your age. Fake Credit Reports Learn how to protect yourself from a high-tech scam known as "phishing." Your Mortgage Application May Trigger Competing Offers Explains how to Opt-Out of Pre-Screened offers prior to shopping for a mortgage. Remedying the Effects of identity Theft Preventing Identity Theft Credit & Divorce - Encourages recently divorced consumers, and those contemplating divorce, to look closely at issues involving credit. Keep checking back as more items are added regularly!	Bankruptcy Issues Alternatives to Bankruptcy - Bankruptcy should always be your last resort, however, many people don't realize that there are alternatives to bankruptcy. This articles unveils those alternatives. The Truth About Bankruptcy Why bankruptcy should be your absolute last resort. Before Filing Bankruptcy - What you need to know before filing bankruptcy. Advises consumers about the new bankruptcy law requiring credit counseling before filing for bankruptcy and debtor education after filing. Bankruptcy & My Bills - Describes which type of debts can be paid off in a bankruptcy. Bankruptcy & Bill Collectors - What happens with your bill collectors in a bankruptcy. Bankruptcy & My Assets - What happens with your assets in a bankruptcy. About the Bankruptcy Process Bankruptcy Q&A Ads Promising Debt Relief May Be Offering Bankruptcy - This article urges consumers to use caution when reading ads pitching debt relief. Lists what to look for, and offers tips if you're having trouble paying your bills. How to Avoid Foreclosure Keep checking back as more items are added regularly!
	Credit Card & Loan Issues Advance Fee Loan "Sharks" - What to watch out for when looking for a loan. Avoiding Credit Card Fraud - Steps to make it more difficult for a crook to capture your card or card numbers, and how to report losses and fraud. Credit Card Loss Protection Offers - Since your liability for unauthorized charges is limited to $50, there's no need to buy loss protection insurance. A Consumer's Guide to E-Payments - Describe online payment technologies and how to make your transactions as secure as possible. Payday Loans = Costly Cash - Explains how these loans work, but cautions that they come at a very high price. Lists alternatives. Co-Signing a Loan - Lists your obligations if you decide to co-sign on a loan for a friend or relative. Credit & debit Card Blocking - Blocking often occurs when you use a credit or debit card to check into a hotel or rent a car and sometimes when pumping gas for your vehicle. Learn why blocking may be a problem, and how to avoid it. Credit Insurance: Is It For you? - Helps borrowers decide if credit insurance, which is usually optional, is right for them. Explains the four main types of credit insurance and offers shopping tips. Credit, ATM & Debit Cards: What to Do If They're Lost or Stolen. - Outlines procedures for reporting loss or theft, and how to minimize your risk. Keep checking back as more items are added regularly!