Start the new year off right!!!!! Get your credit right for 2016

saverFCRA Summary of Rights

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA) is a federal law that regulates how consumer reporting agencies use your information. Enacted in 1970 and substantially amended in the late 1990s and again in 2003, the FCRA, among other things, restricts who has access to your sensitive credit information and how that information can be used.

Summary of Rights

The FCRA is a complex piece of legislation and contains numerous provisions not discussed on this page. Below are several important features of how the FCRA is designed to help consumers (for the complete text, visit the Federal Trade Commission). The FCRA protects you by requiring consumer reporting agencies:

Disclose your credit file to you upon request. Consumer reporting agencies must provide you the information in your file if you request it and provide the agency with proper identification. See “How do I get a free report? ” for more information.

Limit access to your information. A consumer reporting agency may not provide your credit report to any party that lacks a permissible purpose, such as the evaluation of an application for a loan, credit, service, or employment. Permissible purposes also include several business and legal uses. See “Who can access my Equifax credit file?” for more information.

Get your consent before providing your information to an employer. A consumer reporting agency may not provide your credit information to an employer or potential employer unless you first give that employer written permission to request your credit report.

Investigate disputed information. If you tell a consumer reporting agency that your file contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information. If the investigation fails to resolve the dispute, you may add a statement to your credit file explaining the matter. For more information, see Correcting Errors in Your Report.

Correct or delete inaccurate information. A consumer reporting agency must correct or, as the case may be, delete from your credit file the information that is found to be inaccurate or can no longer be verified. The consumer reporting agency is not required to remove accurate data from your file unless it is outdated.

Delete outdated information. In general, negative information that is more than 7 years old (10 years for bankruptcies) must be removed from your file.

Remove your name from marketing lists upon request.Consumer reporting agencies can provide lists of consumer names and addresses whose credit information matches the requirements of creditors and insurers for making firm offers of credit or insurance to the consumers on the list. However, you can request that the three nationwide consumer reporting agencies not share your information with creditors and insurers for these purposes by calling 1-888-5-OPT OUT.

Disclose your credit score to you upon request. You have the right to request a credit score about you. For Equifax, the cost of your credit score disclosure is $7.95. In some mortgage transactions, you will get credit score information without charge by contacting the person making or arranging your loan for further information. To request your credit score from Equifax, please contact:

Equifax Information Services LLC
PO Box 105252
Atlanta, GA 30348

Add identity theft and active duty alerts. Identity theft victims may place fraud alerts and active duty military personnel serving away from their regular duty station may place “active duty” alerts to help prevent identity theft. See “What is a Fraud Alert?” for more information.

Remedying the Effects of Identity Theft. If you are, or believe that you are, the victim of identity theft, you have specific rights under the FCRA. These rights will help you deal with the effects of identity theft. Click here to view a brief summary of the rightsdesigned to help you recover from identity theft.


The pain has a Purpose

clayI have learned that childish immaturity is often manifested in characteristic such as rebellion and stubbornness. These attributes defined me more often then I’d like to admit. I wanted my own way, I believed my thinking was always right. Since I have the education, I felt I knew everything; I was prideful. I believed I was better than a lot of people. I believed that since I worked hard to get where I am, it made me stand out from everyone else. However, maturity has taught me something different. Maturity is defined as having or showing the mental and emotional qualities of an adult. Spiritual maturity is manifested in submission. Submission is a funny word, Webster defines submission as: “the state of being obedient: the act of accepting the authority or control of someone else.” That’s a mouth full for me, I was never one to submit. I remember a past boyfriend used to say, “there is power in submission.” I never understood, I felt as if he was trying to control me, and in a sense he was. However, that statement rings true, there is power in submission, power if one submits to the God given authorities.  This means your boss at work, the pastor anyone who is in authority. God is the one who gives authority in every realm. There is power in submitting to the authority that God entrusts over your life at certain times. It can be a challenge to submit to people you feel are not worthy of submitting too. They could be your boss, parents, or church leaders. God put them in authority, and it is for us to honor those in authority roles.

I have at times been stubborn and rebellious; I have attempted to live life my own way. This often led to periods of resentment and pain, for myself and my family. I have occasionally turned my back on God due to disappointment’s and perceived hurts. I knew best, right? I was wrong, God knew best, and he had to show me over and over again, that he was in control. There have been times I felt as if the authority figures in my life meant where meant to harm me, and at times I believed they did not know what they were doing. I have talked behind their backs, attempted to discredit them, but the fact remained true, they were over me and I needed to heed or leave. I had a choice to make, at times I choose to leave, in other moments I choose to heed to their instruction.

I said all this to say, it has been a journey. I often feel just like the clay on the potter’s wheel. I am made, and remade, He shapes me and then breaks me down to mold a new creation. Just when I believe God is done, here comes another breaking and rebuilding point. Needless to say, it has been frustrating; if I can be honest, and It has been scary. It has been dark, it has been lonely, and I have felt what seemed like endless fear. Nevertheless, the breaking down and building up has been good for me; I feel like a different woman. I feel as if God trusts me with his valued possessions. I have a long way to go, but I am on my way.

The question now is, will I continue you be made whole? This question is deeper then it sounds. Yes, I will, and with that “YES” will come many more moments of continued building and breaking down. Am I ready, no; but I’m going nevertheless.

What I want you to take away from this reading is that :

  • God’s power lives inside of us, God is the potter and we are the clay
  • He knows what he is doing, even when we think that we are a mess and could never be used.
  • Our failures this will lead us more towards God
  • We only change when we feel or experience the pain of our own actions
  •  Authority is set in place for specific reasons ©

Enjoy Life,