The Fair Credit Reporting Act: Know Your Rights

The Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information in the files of every “consumer reporting agency” (CRA). Most CRAs are credit bureaus

Credit Utilization Ratio

A credit utilization ratio is a calculation of how much debt you have versus your credit limit.  The credit utilization ratio is calculated by looking at your credit limits and