NWCS Public Library
The articles presented here are intended to provide you with information everyone needs to know. In order to better understand your position within the National Credit System.
Each article is designed to help build on the previous one. So you will be better prepared to have a useful and affective discussion about your individual circumstances. We encourage you to contact us with any questions reading these articles may bring to mind? Remember, our goal is to help you realize yours!
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Consumers Understood the Basics But Could Benefit From Targeted Educational Efforts
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The Credit Bureaus are not official government agencies and they do not create credit profiles in the public interest.
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Credit report matters seem to be popping up everywhere these days in the media — both on
the news and in advertisements. So what's the buzz about? Whether you realize it or not, your
credit report plays a critical role in your life and you'll be better by understanding what a
credit report is and how it affects you.
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Your credit score (most often referred to as your FICO score) is a
number derived from your credit report that will typically range from
350 - 850. (Although other scoring models will range from
300 - 990). The higher your credit score, the better your credit rating,
and the lower the perceived risk you are to a lender.
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OptOutPrescreen.com is the official Consumer Credit Reporting Industry website to accept and process requests
from consumers to Opt-Out of firm offers of credit or insurance.
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In "Secret History of the Credit Card," FRONTLINE® and The New York Times join forces to investigate an industry few Americans fully understand. In this one-hour report, correspondent Lowell Bergman uncovers the techniques used by the industry to earn record profits and get consumers to take on more debt.
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