It's a fact that far too many people don't really understand credit. Even 25% of college graduates finish school with over $10,000 in credit card debt.

You really need to understand the information Net Detective has found for you.

Bankruptcy Clerks' Offices
At this site is a directory of the bankruptcy clerks' offices found throughout the United States. It includes complete addresses.

Equifax, Experian, Trans Union
These are the major credit information bureaus. They each have a number of interesting facts on their sites. You'll want to visit each one. For example, did you know:

Any organization with which you have financial dealings can submit information about you to these credit bureaus. This is includes banks, utility companies, credit card companies, stores, courthouses from across the country, and home repair providers. Your credit report contains information such as your Social Security number, current and past addresses, status of your payments on your credit cards and utility bills. It may contain certain legal data such as employment information, courthouse records, liens, and bankruptcy. Also included is a list of credit grantors who have received your credit report.

Practically anyone with a legitimate business need can obtain your credit report. This includes:

• Government agencies required to review credit for issuing licenses or benefit payments
• Landlords and prospective landlords
• Employers and prospective employers
• Insurance companies
• Banks and other lenders
• Collection agencies
• Companies that currently grant or could grant you credit

THE FAIR DEBT COLLECTION PRACTICES ACT
As amended by Public Law 104-208, 110 Stat. 3009 (Sept. 30, 1996). Here is the full text of the act. Most people do not know their rights. Here is where you can find the inside information.

You'll find 13 comprehensive resources in the "Credit Information" section of Net Detective. The Harris Digital Publishing Group who put these resources together gives you every valuable source you can use.

No single site has all the information you need. That's why you must examine all the sites to find the details that you seek. Just be glad it's all here.

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