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Lawmakers in Washington, DC are considering several credit-related consumer protections as outlined in the Fair and Accurate Credit Transactions Act of 2003 (HR 2622). If approved, consumers could benefit from the biggest changes to the rules of consumer credit in recent decades. More info: Center For Responsible Lending. One of the most important changes would be entitled to a free annual copy of your credit report, upon request, of the three major credit reporting agencies: Equifax,read more…

A check can be considered bad if it is a false or bad check (non-sufficient funds check), also known as check. The issuance of a NSF or bad checks is illegal and can attract civil and professional penalties. The burden of a bad check is assigned to the person signing the check and the person on the indictment, it is likely to face legal proceedings under the State’s judicial system. A returned check or NSF isread more…