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Recently, when I watched a supposedly scared little boy trapped in a home-made saucer-shaped balloon flying what I thought was unprotected above the Midwestern countryside, it didn’t occur to me to think for a second that it was a hoax; but, as I watched the drama unfold, I began to realize that I was the one being taken for a ride. As soon as I got up from the television, I went online to try and find out more about the balloon boy saga.Until now, Snopes.com was where I went to find out if what I was reading or seeing on television or getting in my e-mails was real or fake. But in my search for the Balloon Boy story, I found a new site called Hoax.com that covered the story in a whole different unique way. [Read more →]

There is a Lot at Stake

Are you a sub-prime borrower? Chances are that you have had credit issues in the past. There are many reasons for you to make credit repair an immediate priority in your life. There are also many reasons that you might hesitate. Credit reports are not fun to read. Past credit issues are not fun to think about. But there is a lot at stake. Consider hiring a credit repair professional to help you through the process. You can regain control over your own life.
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What Do You Want From Life?

Do you own a home? Do you have the security of a savings account? Can you afford to set aside a percentage of your take-home pay for investment? Everything that you do in life is connected to your credit report. There is nothing that can have as significant an impact on your life, and ultimately on your financial freedom. It’s worth taking a close look.
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Your credit score can have a profound effect on your financial life. It is essential to understand how credit scores work and how you can make them work for you. Here are the important facts that can make all of the difference.
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An Unpleasant Possibility

Are there entries on your credit report that do not belong to you? These may be the result of a file merger error on the part of the credit bureaus. Or they may be the result of a more nefarious case of identity theft. The Fair Credit Reporting Act (FCRA) gives you very specific and powerful tools to correct cases of identity theft and to quickly block the erroneous information from appearing on your credit report and impacting your credit scores.
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Perhaps you have had credit issues in the past and are trying to get back on track. Or maybe you have perfect credit and want to make sure it stays that way. Here are some important tips that can make a big difference.
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Statute of Limitation Violations

The Fair Credit Reporting Act (FCRA), and the Fair and Accurate Credit Transactions Act (FACTA) amendment to the FCRA of 2003, is the federal legislation that governs the credit reporting industry. Statutes of limitation for reporting time limits are provided by this legislation. Knowing how these time limits work is essential to any effective credit repair effort.
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Do you have a past due credit card that is hurting your credit scores? Would you like the creditor to make it current, and even eliminate your entire record of late payments? It can be done. Here’s a neat little trick that may be as easy as picking up the phone.
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A Great Investment

Home ownership has always been considered an integral part of the American Dream. Over the last fifty years those that were able to realize this dream have experienced a great financial benefit. Home ownership, in fact, has contributed more to the wealth of the individual than any other investment. But there is another side to home ownership; it is also the most significant financial obligation that most people will ever undertake. If managed properly home ownership can be a source of great pleasure. If mismanaged, the results can be devastating.
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