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- Solving Credit Problems
-
-
- If you are having problems getting credit or paying your
- monthly bills, you may be tempted to turn to businesses
that
- advertise quick and easy solutions to credit problems. But
do
- not be misled. There are no instant solutions. Although
some
- credit counseling businesses "guarantee results or
your money
- back," you may find that there are hidden strings
attached or
- that the company is gone when you want your money back.
- There are steps you can take to help solve your credit
- problems. However, solving them takes time, patience, and
some
- understanding of the law. This brochure may help you. It
- explains why your credit history is important, how to
build a
- credit history and establish credit, and what can be done
to
- improve a bad credit history. It also suggests ways to
help
- deal with debts you may have, possibly by using a
nonprofit
- Consumer Credit Counseling Service.
-
- Why Your Credit History is Important
-
- Although creditors usually consider a number of factors in
- deciding whether to grant credit, most creditors rely
heavily
- on your credit history. To learn how you have handled
credit in
- the past, most creditors obtain a report from your local
credit
- bureau. Credit bureaus gather and sell credit information
about
- consumers and are a principal source of information about
your
- credit history. Your credit bureau report is based on
- information supplied over time by your creditors. It also
- provides information on where you live and work and may
note
- other matters of public record such as judgments or
- bankruptcies. Your report records payments you have made
on
- credit cards, installment loans, and other credit accounts
and
- helps creditors predict whether you are likely to be a
good
- credit risk. A history of timely credit payments helps you
get
- additional credit.
- Some creditors are reluctant to grant credit to
- consumers-who have not established a "track
record" with other
- creditors first. In addition, many creditors will not
extend
- credit to consumers with a history of delinquent payments,
- repossession, judgments, or bankruptcy. If you are in
either
- situation, be wary of ads that promise you "instant
credit" or
- "a major credit card regardless of your lack of
credit history
- or your past credit record." The fact is that all
legitimate
- creditors want to know whether you are likely to be a good
- credit risk. Whether you get credit will depend on whether
your
- qualifications meet the creditor's criteria. No one can
- guarantee you credit in advance.
-
- How to Build A Credit History and Establish Credit
-
- Building a good credit history is important. If you have
no
- reported credit history, it may take time to establish
your
- first credit account. This problem affects young people
just
- beginning careers as well as older people who have never
used
- credit. It also affects divorced or widowed women who
shared
- credit accounts that were reported only in the husband's
name.
- If you do not know what is in your credit file, check with
your
- local credit bureaus. Most cities have two or three credit
- bureaus, which are listed under "Credit" or
"Credit Reporting
- Agencies" in the Yellow Pages. For a small fee, they
will tell
- you what information is in your file and may give you a
copy of
- your credit report.
- If you have had credit before under a different name or in
- a different location and it is not reported in your file,
ask
- the credit bureau to include it. If you shared accounts
with a
- former spouse, ask the credit bureau to list these
accounts
- under your name as well. Although credit bureaus are not
- required to add new accounts to your file, many will do so
for
- a small fee. Finally, if you presently share in the use of
a
- credit account with your spouse, ask the creditor to
report it
- under both names.
- Creditors are not required to report any account history
- information to credit bureaus. If a creditor does report
on an
- account, however, and if both spouses are permitted to use
the
- account or are contractually liable for its repayment,
under
- the Equal Credit Opportunity Act you can require the
creditor
- to report the information under both names. When
contacting
- your creditor or credit bureau, do so in writing and
include
- relevant information, such as account numbers, to help
speed
- the process. As with all important business
communications,
- keep a copy of what you send.
- If you do not have a credit history, you should begin to
- build one. If you have a steady income and have lived in
the
- same area for at least a year, try applying for credit
with a
- local business, such as a department store. Or you might
borrow
- a small amount from your credit union or the bank where
you
- have checking and savings accounts. A local bank or
department
- store may approve your credit application even if you do
not
- meet the standards of larger creditors. Before you apply
for
- credit, ask whether the creditor reports credit history
- information to credit bureaus serving your area. Most
creditors
- do, but some do not. If possible, you should try to get
credit
- that will be reported. This builds your credit history.
- If you are rejected for credit, find out why. There may be
- reasons other than lack of credit history. Your income may
not
- meet the creditor's minimum requirement or you may not
have
- worked at your current job long enough. Time may resolve
such
- problems. You could wait for a salary increase and then
- reapply, or simply apply to a different creditor. However,
it
- is best to wait at least 6 months before making each new
- application. Credit bureaus record each inquiry about you.
Some
- creditors may deny your application if they think you are
- trying to open too many new accounts too quickly.
- If you still cannot get credit, you may wish to ask a
- person with an established credit history to act as your
- co-signer. Because a co-signer promises to pay if you
don't,
- this can substantially improve your chances of getting
credit.
- Once you have repaid the debt, try again to get credit on
your
- own.
-
- What Can Be Done to Improve a Bad Credit Report
-
- You are entitled by law to correct any inaccurate
- information that appears in your credit bureau file. If a
- creditor rejects your application because of negative
- information in your credit bureau report, it must identify
the
- credit bureau involved. At your request, the credit bureau
must
- disclose the contents of your credit file. If you act
within 30
- days of being turned down, there is no charge for this
service.
- Check to see whether the information in your credit report
- is accurate and complete. You have the fight, under the
Fair
- Credit Reporting Act, to dispute the completeness or
accuracy
- of any information in your report. When you do so, it
helps to
- tell the credit bureau, in writing, why you think the
- information is not correct. Unless your dispute is
frivolous or
- irrelevant, the credit bureau then must reinvestigate the
- matter. The credit bureau must correct any information
that it
- finds is not reported accurately. Information that cannot
be
- verified must be deleted. If you disagree with the results
of
- the credit bureau's reinvestigation, you may file a brief
- dispute statement explaining your side of the story. At
your
- request, the credit bureau will note your dispute in
future
- credit bureau reports.
- Be aware that when negative information in your report is
- accurate, only the passage of time can assure its removal.
- Credit bureaus are permitted by law to report bankruptcies
for
- 10 years and other negative information for 7 years. There
is
- nothing that you (or anyone else) can do to require a
credit
- bureau to remove accurate information from your credit
file
- until the reporting period has expired. Don't be misled by
ads
- aimed at people with bad credit histories, judgments, or
- bankruptcies. Promises to "repair" or
"clean up" a bad credit
- history can almost never be kept.
-
- How to Deal with Your Debts
-
- A sudden illness or the loss of your job may make it
- impossible for you to pay your bills on time. Whatever
your
- situation, if you find that you cannot make your payments,
- contact your creditors at once. Try to work out a modified
- payment plan with your creditors that reduces your
payments to
- a more manageable level. If you have paid promptly in the
past,
- they may be willing to work with you. Do not wait until
your
- account is turned over to a debt collector. At that point,
the
- creditor has given up on you.
- Automobile loans present special problems. Most automobile
- financing agreements permit your creditor to repossess
your car
- any time that you arc in default on your payments. No
advance
- notice is required. If your car is repossessed you may
have to
- pay the full balance due on the loan, as well as towing
and
- storage costs, to get it back. Do not wait until you are
in
- default Try to solve the problem with your creditor when
you
- realize you will not be able to meet your payments. It may
be
- better to sell the car yourself and pay off your debt than
to
- incur the added costs of repossession.
-
- How to Evaluate Credit Repair Companies
-
- If you are having trouble paying your bills, you may be
- tempted to turn to a company that claims to offer
assistance in
- solving debt problems. Such businesses may offer debt
- consolidation loans, debt counseling, or debt
reorganization
- plans that are "guaranteed" to stop creditors'
collection
- efforts. Before signing up with such a business,
investigate it
- thoroughly. Be sure you understand what services the
business
- provides and what they will cost you. Do not rely on oral
- promises that do not appear in your contract. Also, check
with
- the Better Business Bureau and your local consumer
protection
- office. They may be able to tell you whether other
consumers
- have registered complains about the business.
- Consumers who turn to such businesses for help sometimes
- encounter additional problems. For example, debt
consolidation
- or other large short-term loans may have high hidden costs
and
- may require your home as collateral. An unscrupulous
company
- may misrepresent the terms of such loan agreements; if so,
you
- could end up losing your home.
- Businesses offering debt counseling or reorganization may
- charge substantial fees or a percentage of your debts, but
fail
- to follow through on the services they sell. Some may do
little
- more than refer indebted consumers to a bankruptcy lawyer,
who
- charges an additional fee. Businesses advertising
voluntary
- debt reorganization plans or "Chapter 13" relief
may fail to
- explain that Chapter 13 debt adjustment actually is a form
of
- bankruptcy. To qualify for it, you must have a source of
- regular income and a plan for repaying your creditors that
- meets the approval of the bankruptcy court. Businesses
that
- sell bankruptcy-related services may not tell you all that
is
- involved or assist you through what can be a complex and
- lengthy legal process. Debt problems can be distressing,
but be
- careful when selecting a solution. Some
"solutions" may only
- add to your problems.
-
- Where to Find Low-Cost Help
-
- If you need help in dealing with your debts, you may want
- to contact a Consumer Credit Counseling Service (CCCS).
This is
- a non-profit organization with more than 850 offices
located in
- 50 states. CCCS counselors will try to arrange a repayment
plan
- that is acceptable to you and your creditors. They will
also
- help you set up a realistic budget and plan future
expenses.
- These services are offered at little or no charge to you.
You
- can find the CCCS office nearest you by checking the White
- Pages of your telephone directory or by calling from a
- touch-tone phone 1-800-388-2227 to get the telephone
number.
- However, if you have other questions, contact:
- National Foundation for Consumer Credit, Inc.
- 8611 Second Avenue, Suite 100
- Silver Spring, Maryland 20910
- (301) 589-5600
- In addition, non-profit counseling programs are sometimes
- operated by universities, military bases, credit unions,
and
- housing authorities. They are likely to charge little or
- nothing for their assistance. Or, you can check with your
local
- bank or consumer protection office to see if it has a
listing
- of reputable, low-cost financial counseling services.
-
- Where to Find More Information
-
- The Federal Trade Commission enforces a number of federal
- laws involving consumer credit, including the Equal Credit
- Opportunity Act, the Fair Credit Reporting Act, the Truth
in
- Lending Act, the Fair Credit Billing Act, and the Fair
Debt
- Collection Practices Act. It also provides free brochures
- explaining these laws. For these or related publications,
such
- as Building a Better Credit Record, Women and Credit
Histories,
- and Credit Billing Blues, write to: Public Reference,
Federal
- Trade Commission, Washington, D.C. 20580.
- Although the Commission cannot solve individual problems
- for consumers, it can act when it sees a pattern of
possible
- law violations develop. If you have a complaint that may
- involve a violation of consumer protection law, write to:
- Correspondence B ranch, Federal Trade Commission,
Washington,
- D.C. 20580.
- fast facts
-
- * Your credit report records your payments on credit
cards,
- installing loans, and other credit accounts. It helps
- creditors predict whether you are likely to be a good
- credit risk.
- * Be wary of ads that promise you "instant
credit" or "a
- major credit card regardless of your lack of credit
- history or past credit record."
- * If you are rejected for credit, find out why. You can
get
- a free copy of your report if you request it from the
- credit bureau that provided it, within 30 days of being
- turned down.
- * Check to see whether the information in your credit
report
- is accurate and complete. You are entitled by law to
- correct inaccurate information that appears in your credit
- bureau file.
- Bureau of Consumer Protection
- Office of Consumer & Business Education
- (202) 326-3650
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