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Ray Lam's Articles in Credit

  • Credit Reporting Agencies
    When asking for loans, insurance, credit cards, and so on, there is always the possibility for you to experience a rejection. The first thing you need to do is that you should check to see if your credit score is the reason for this rejection. The credit report itself is the very one that provides the necessary information for your creditors, but not only. Fortunately, regular people also have access to their credit report. A law called the fair Credit Reporting Act, is in their benefit, and through this law, any institution that might turn down your application for credit, insurance or employment is compelled to provide the client with this report, upon request, within 60 days of being notified the rejection.
  • What You Should Know About Credit Report Repair
    When doing credit report repair, you can find all kinds of advice on how to send your letters. If you are surfing the web looking for information about credit report repair, you will find free credit report repair letters at several sites, but you will also find that there are software programs with "fill in the blank" type letters. Before you buy one of the many credit report repair kits that are available on-line, there are certain sites you should visit to view and print the information that is included on your credit report.

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