Credit Scoring is used by most creditors who are evaluating your credit report. This involves your application, your current debt, annual income, and payment history. The types of accounts you have and how long you have had them.

Credit repair agencies will protect your right as a consumer to have a credit report that is accurate and fair. The agency will contact the credit bureaus dispute questionable items on your credit reports. If the credit bureaus are unable to verify the accuracy of information found on your reports, those items must be deleted. There are many scams associated with Credit Report Agencies. If an agency promises to remove derogatory, but accurate items on your credit report- -beware. Those promises are false and usually a sign of an agency trying to get your money with false promises.

Good Credit means that your history of payments employment and salary could put you in good standings to borrow money, although bad credit could make things a bit harder to buy things without the cash up front. This is your financial trustworthiness, good credit can get you lower payments, and easier to get the money in the beginning.

A tool used by law enforcement that allows them to access thousands of consumers online information dealing with internet telemarketing and other types of selling fraud.

A method used by crooks when erasing the amount of funds on your personal check to increase the amount on your check. This is accomplished by using acetone, a chemical easily obtained by a crook.