5 Tips When Filling Out Instant Approval Credit Card Applications

You get bombarded with them on a daily basis. They come in your mail by the dozens per month. When you go shopping at your favorite department store, they offer you one so you can 10 percent off your purchase. Instant approval credit cards—do you really need them, Are they such a great idea, Anything that seems that easy to get cant all be silver lining. There must be some dark clouds in there too. Joshua Shapiro recommends Find Credit Cards to find instant approval credit card applications.

Warning signs for credit repair scams include companies that ask you to pay before providing services. The company may tell you it can guarantee a specific increase in your credit score or get rid of negative credit information in your credit report, even though the information is accurate and current. Pressures you to pay up-front fees.

The company wants you to pay before it provides any services. Promises to remove negative information from your credit report. The company tells you it can get rid of the negative credit information, even if that information is accurate and current. No one can do this. Requests you dispute accurate information in your credit report.

The company advises you to dispute all the information in your credit report, regardless of its accuracy or timeliness. Refuses or avoids explaining your rights to you. The company doesnt tell you your rights and what you can do for yourself for free. Disputing errors in your credit reports is a free legal right available to you under the Fair Credit Reporting Act; you dont need to pay a credit repair organization to do it for you.

Also, if you have just signed up for a credit repair service, you have the right to cancel your contract with any credit repair organization for any reason within three business days at no charge to you. Tells you to not contact credit reporting companies. The company recommends that you dont contact any of the nationwide credit reporting companies directly. Credit repair companies are subject to numerous federal laws, including the Credit Repair Organizations Act and often the Telemarketing Sales Rule, both of which forbid credit repair organizations from using deceptive practices and from accepting up-front fees.

These laws prohibit many deceptive practices by credit repair organizations. You may have a right to sue a credit repair organization using these laws. How do I find a reputable credit counselor, Most credit counselors offer services through local offices, online, or on the telephone. You can find a list of approved credit counselors online. Once you've developed a list of potential counseling agencies, check them out with your State Attorney Generals office, and local consumer protection agency.

Summertime is a popular time for long road trips with the family or friends. Whether you’re heading to the beach or making your way to a campsite, it’s important you have a reliable vehicle to get you and your family where you need to go. We know that not everyone is able to afford a brand new car, but that doesn’t mean you’re out of options.

Many of the top makes and models out there are just as good used as they were new. This means you don’t need to shell out thousands of dollars more to get the most reliable vehicle. Your credit doesn’t always need to be in tip-top shape, either. Finding the right vehicle for you and your family can be tough, especially if you’re dealing with bad credit. If you’re not sure where to start the car buying process, we want to help.

Here at Auto Credit Express, we’ll get you started by matching you with a dealer that has the lending resources and know how to handle consumers with credit challenges. If you’re ready to start the car buying process, take the first step and fill out our auto loan request form today.

The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to credit reporting companies. A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy.

Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. Here are the details about your rights under the FCRA, which established the free annual credit report program. Q: How do I order my free report, The three nationwide credit reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.



You may order your reports from each of the three nationwide credit reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached.