Top Finance And Taxation Services in Fargo, ND 58102
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Cash Connection Check Cashing
By Chris May 11, 2011
Great Job. Very professional and willing to do treat customers correctly. Nice to see they know the value of Customer Service! Keep up the good job. ...read more
Cash Connection Check Cashing
By Logan March 17, 2011
This place is the absolute best. The service is outstanding and the flexibility they offer can't be beat. If you want to deal with a company who has got it together go to Cash Connection! ...read more
Cash Connection Check Cashing
By Christy April 06, 2010
The gals were awesome as usual! Always a friendly face & cash in a flash!! Luv U guys!! ...read more
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Read The Latest Newsletter from Consumer Credit Counseling Service
We've just published a new edition of our newsletter! You can check it out on our website and get the latest information from Consumer Credit Counseling Service 1-888-551-1270. Let us know what you think! Read It Now Here Williston Wahpeton Larimore Bismarck Jamestown Mandan Ellendale North Dakota Grand Forks Dickinson West Fargo Minot ND Fargo North Dakota ...read more
By Consumer Credit Counseling Service 1-888-551-1270 May 12, 2011
The Fair Credit Reporting Act (FCRA)
Fair Credit Reporting Act (Summary) Public Law 91-508 The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." If, after a reinvestigation by the credit bureau, the disputed information "is found to be inaccurate or can no longer be verified, the [credit bureau] shall promptly delete such information." The credit bureaus are required to complete the investigation within a "reasonable period of time." This period has been set at thirty days. The credit bureaus can ignore the consumer dispute if they have reason to believe that the dispute is "frivolous or irrelevant." The FTC commentary on the FCRA cites, as an example of a frivolous dispute, a dispute wherein the consumer challenges all negative items on his credit report without providing any allegations regarding specific items in the credit file. However, "A [credit bureau] must assume a consumer's dispute is bona fide, unless there is clear and convincing evidence to the contrary." When a consumer challenges a negative credit listing on the basis of extenuating circumstances, such as health problems, divorce, job loss, etc., the credit bureaus are entitled to ignore that dispute. When a consumer submits a dispute which is neither frivolous nor irrelevant by credit bureau standards, the credit bureau must "at a minimum... check with the original sources or other reliable sources of the disputed information and inform them of the nature of the consumer's dispute." In some cases of consumer dispute, "Reinvestigation and verification may require more than asking the original source of the disputed information the same question and receiving the same answer." In other words, when a consumer files or re-files a valid dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing. In theory and law, the process is deceptively simple, thus leading many people to think that they can easily handle this themselves "for the price of a few postage stamps." Most quickly discover that the credit bureaus have made it much more difficult than one would imagine. For help in this, we recommend using Lexington Law a professional credit report repair company. Debt Management Plan Debt Consolidation North Dakota Fargo Free Credit Counseling Williston Wahpeton Larimore Bismarck Jamestown Mandan Ellendale North Dakota Grand Forks Dickinson West Fargo Minot ND Fargo North Dakota ...read more
By Consumer Credit Counseling Service 1-888-551-1270 May 02, 2011