Credit Card Offer
HomeContact UsTerms & ConditionsPrivacy PolicySitemap



Airline rewards MasterCard
Auto rewards MasterCard
Cash rewards MasterCard
Gas rewards MasterCard
Hotel rewards MasterCard
Retail rewards MasterCard
Travel rewards MasterCard


Low Interest Rates MasterCard
Low Intro Rates MasterCard
No Annual Fee MasterCard
Fixed Rates MasterCard
Business MasterCard
Poor Credit MasterCard
Pre-Paid MasterCard
Regular MasterCard
Secured MasterCard
Student MasterCard
Chase reward MasterCards

Home > > Citi select aadvantage american express card

Citi select aadvantage american express card

If you have been denied new credit because of your existing bad credit and you want to know WHY your credit repair rights are legally protected then you will save time and money by reading further.

Let's start off by defining what the Fair Credit Reporting Act (FCRA) is:"A United States federal law designed to help ensure that consumer reporting agencies act fairly, impartially, and with respect for the consumer's right to privacy when preparing consumer reports on individuals." Simply stated your credit repair rights are protected under the law. So HOW do we use this information to our benefit when embarking on a credit restoration program? By understanding and focusing on three parts of the (FCRA):FCRA Section 611(a)(1)(A) which states:"If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer."EXPLANATION: This means the credit reporting agency has 30 days to verify the accuracy of a credit item that is disputed. You make this section work for you by making sure that all disputes are always written and mailed with a return receipt. This way you have documentation as to when your credit dispute was received and therefore when the 30 day limit starts. This can be used as proof later if you need to verify the actualy date you started a credit dispute.FCRA Section 611(a)(3)(A) which states:"...a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph express aadvantage citi select american card if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information." The law requires that an agency notify you within 5 business days if they determine y our dispute to be frivolous or irrelevant. The law does not dare to define what is grounds for making such a determination except for "failure by a consumer to provide sufficient information to investigate the disputed information."EXPLANATION: This means the credit reporting agency can decide not to verify the accuracy of a credit item if they deem it frivolous. You make this section work by making sure you have a specific reason that you feel the credit item is wrong and have a specific action to take when it is verified.CREDIT REPORT DISPUTE REASONS Reason Number Description01 Are the balances, high limit, payment and date opened all correct?02 Is the date of last activity correct? (Last time you paid or they reported you late)03 Is the account being reported by a collection agency and the creditor?04 Has it been paid off but is not reflected?05 Was it closed by you but does not reflect that?06 Is it a citi select aadvantage american express card spouse's or relative's account?07 I s it current but showing late?08 Is the account number right?09 Is your name correct on the reports?10 Is your social security number correct on the reports?11 Was the credit card ever stolen?12 Was there fraud on the account?13 Was there a billing error such as you gave a change of address and they did not change it, resulting in a late pay.14 Are there duplicate accounts for the same lender listed?15 Is the account listed positive on one report but negative on another?16 Was it closed citi select express american aadvantage card and refinanced but is not reflected.17 Did you file bankruptcy but the accounts included do not reflect "included in BK."18 Is your bankruptcy accurate: Filing date, discharge date, dollar amount filed for etc.?19 Is your tax lien satisfied or vacated but does not reflect it.20 Was your judgment paid but no satisfaction of judgment was ever filed.21 Was the debt ordered to be paid by the x-spouse?22 Did you receive shoddy service or defec tive merchandise?23 Was it a medical bill that the insurance did not pay?24 Was it a workers comp bill?25 Has the statute expired to legally report the debt? Very important!26 Did your spouse use your cards without your knowledge or forge your signature?27 Has the creditor or collection agency validated the debt on their end? FCRA Section 611(a)(5)(A) which states:“Historically, an item that was deleted would occasionally reappear on a consumer's credit file. This occurred when a credit grantor automatically updated a consumer's payment history. Most often this happened with a credit granter with whom the consumer still had payment activity. However, the new FCRA does not select aadvantage american citi express card allow a deleted item to be added again unless the creditor certifies that the information is correct.”EXPLANATION: This means successfully deleted credit items can not be re-inserted into a credit file unless they are proven to be accurate. You make this section work by using it " FCRA Section 611(a)(5)(A)" as a reason whenever you have a previously deleted credit item re-appear on your credit report. Understanding the citi select aadvantage american express card WHY of credit repair will save you time and money as far as restoring your credit is concerned. Time because you will get the maximum effectiveness from each action you perform. And you will save money because effective credit repair actions will ultimately lead to lower interest rate payments. 2

Apply now Back


The methods advertised online today to reverse credit repair actually sends you deeper in debt.

Let me show you how:

1) Pay only $399 and your guaranteed a credit card regardless of credit history.

2) Get a government grant of $25,000, all you have to do is pay the up front cause.

3) You Qualify for $10,000 in credit, your credit increases once you send up front fees.

I can go on and on, but those are the traps out to further ruin your credit repair. Those methods are sending you deeper into debt.

My first credit repair tip is to avoid any company offering up front fees to help you get out of debt, your trying to repair your credit, so why are these companies sending you deeper in debt.

Credit repair is a very serious problem around the world, and credit cards are adding millions daily to the debt pool. You will have to realize that getting out of debt isn't as easy as those companies are claiming, but, it can be done.

Another tip, is to try selling off some of your assets to pay off your debt, you don't want the creditors on your back.

Stop searching in the wrong places for help, stop looking for help from anyone asking for money up front, your all ready in debt, you need advice and I do mean free advice that will help you find a solution to this problem.

Therefor when your repairing credit, get help from credit repair experts, that can really help you get out of debt.

I have created a simple free credit repair guide online that has all the information you will need for repairing your credit. Credit repair is tricky due to the abiding laws.

I am not out to take you for a ride, that is why I provide this information freely, but you must take the first step, or a year from now, you will be in a much deeper rut than you are now.

Debt grows, this free credit repair guide will stop and eliminate that growth and set you on the right path.

Interest only loans are a type of mortgage that provides the option of paying just the interest on the loan for some time of the repayment period. The principle can be repaid after say 3, 5, 7 or 10 years. These loans also allow for a large principle prepayment if desired. After the initial period, the repayments are raised to fully amortized levels. Interest only loans can be fixed-rate mortgages or adjustable-rate mortgages.

There are several advantages and disadvantages of interest only loans. Interest only loans are suitable for people who are expecting increase in the income in coming years; whose income is in the form of indefinite bonuses and commissions and people who will invest the savings made on interest-only loans properly. The main advantages of interest only loans are that the initial interest to be paid is, and it allows for more savings that can be invested some where else, like paying off another mortgage or a high interest debt like credit cards. The extra money can also be invested for a higher rate of interest so that you can earn money on it. Interest only loans are ideal for people who have taken out a loan on a home that they will live in 10 years or less. This enables them to pay just the interest as long as they are in the house and then repay the loan when they move out. The extra money can be used for meeting unexpected expenses like college, or medical expenses, or to finance home improvements. In short, interest only loans enable you to manage your cash flow better.

However, there are also some disadvantages. The interest rate may go up considerably after the interest-only period, significantly increasing the payments. This increases the risk on the loan. Another possible risk is when people plan to repay the loan by selling the house that the loan was taken against. The price of the house may not have appreciated as much as expected. Worse still, the price might have even dropped. Loss of income, a slump in the economy and other unexpected contingencies should also be considered. Or worse, it may even come down, making the sale and repayment difficult. Loss of income, slump in the economy and other unexpected contingencies are also some things to be considered while going for an interest only loan.

Copyright 2007, creditmagik. All rights reserved!