Credit Smart: Your Step-by-Step Guide to Establishing or by Gudrun Nickel

By Gudrun Nickel

MAKE credits paintings FOR YOU!

Written via an lawyer, in easy, easy-to-understand language, credits shrewdpermanent takes you from studying approximately credits heritage and the credits software procedure to utilizing credits responsibly.

- From facing company debt and baby aid to dealing with assortment agencies
- From figuring out personal loan standards to becoming credits very easily and virtually into your life

Get your credits less than regulate with credits Smart-the important device for facing credits and credits issues.

CreditSmart contains details about:
--Credit bureaus --Student loans
--Loan disclosures --Effects marriage has on credits and debt
--Secured bills --Effects divorce has on credits and debt
--Credit studies --Fair Debt Collections Act
--Credit playing cards --Consumer credits safety Act

Understand your rights-protect your monetary destiny

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Extra resources for Credit Smart: Your Step-by-Step Guide to Establishing or Re-Establishing Good Credit

Sample text

An application for credit typically requires that you provide the lender certain information: • your name; • social security number; • name and address of employer; • number of years employed by current employer (and previous emploment information if not in your current position for several years); • home address; • whether you rent or own; • a list and value of other assets; and, • a list of liabilities (including alimony). e s t a b l i s h i n g a n d r e e s t a b l i s h i n g g o o d c r e d i t • 11 When making the application, you will be authorizing the lender to obtain and review a copy of your credit report that contains your credit history, as well as any judgments, tax or other liens, and bankruptcies.

Xxx • C R E D I T S M A R T Q A Do I really have legal rights if I owe money? Many people are surprised that there are laws, both state and federal, which protect them. For example, federal laws under the Consumer Credit Act include the Fair Debt Collection Practices Act that protects you from being threatened by collection agency employees. Also under the Consumer Credit Act, the Fair Credit Reporting Act regulates credit reporting agencies and allows you to file a complaint with the government.

However, always respond to any IRS notice within the time allowed to avoid any additional penalties and interest over and above the taxes you may owe. Be sure to keep all records—including copies of checks, receipts, and invoices—in case you are audited. The normal time limitations for an audit is three years, provided there was no fraud or gross misrepresentation of income. S. Tax Court. If you have a xxxviii • C R E D I T S M A R T serious problem or are in a crisis situation—such as job loss or medical emergency—the Taxpayer’s Bill of Rights does require that an IRS officer—a Problem Resolution Officer—work with you to resolve the crisis.

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