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If you've ever applied for a credit card, a personal loan, or insurance, there's a file about you. This file is known as your credit report. It includes information on where you live, how you pay your bills, whether you've been sued or arrested, or have filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses with a legitimate need for it. They use the information to evaluate your applications for credit, insurance, employment, or a lease.
The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a copy of your credit report once every 12 months.
Your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies.
A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Sometimes, things happen that can cause credit problems: a temporary loss of income, an illness, even a computer error. Solving credit problems may take time and patience, but it doesn’t have to be an ordeal.
Consumer fraud is a serious problem in Idaho, but, fortunately, it is often a preventable problem. As a consumer, you can protect yourself from fraud by understanding your rights and by making informed and intelligent decisions.
El fraude al consumidor es Idaho, pero, afortunadamente, por lo general es un problema que se puede prevenir. Como consumidor, usted se puede proteger del fraude conociendo sus derechos y tomando decisiones inteligentes y acertadas.
This brochure was prepared by Idaho Legal Aid Services, Inc. for the purpose of informing tenants of their rights and responsibilities in federal housing programs under current Idaho and federal law. It does not include other legal theories which have been adopted by other states but as yet not accepted by Idaho’s courts. At several points in the brochure, the tenant is advised to seek legal assistance of an attorney.
The purpose of this memorandum is to reiterate procedures for complaints processed by Fair Housing Assistance Program agencies that involve Low Income Housing Tax Credit properties.
Once a creditor sues and obtains a judgment (court order) against a debtor they must follow a legal process to obtain payment. The creditor collects on a judgment through a "Writ of Execution" which directs a sheriff to seize the debtor's money, property, or real estate to pay the debt (in limited situations, money or property may be taken before a court enters a judgment). A creditor must collect on the debt within five years after a court issues a judgment, although a creditor can renew a judgment for additional five year periods.
Un acreedor puede requerirle a un empleador a desviar parte del sueldo de un empleado para pagar un fallo/ sentencia. El acreedor está limitado a tomar el sueldo de un deudor que: a) exceda treinta (30) veces el sueldo mínimo federal ($7.25 por hora vigente 24 de julio 2009), o b) es 25% del ingreso disponible. Cualquier exención cual permite al deudor mantener más de su sueldo aplica. Ingreso disponible es el pago neto del deudor después de las deducciones requeridas por ley, tal como impuestos, cuales son rebajados...
Este folleto fue preparado por Idaho Legal Aid Services, Inc. con el propósito de informar a los
inquilinos de sus derechos y responsabilidades en los programas de vivienda federal bajo la ley de
Idaho y federal actual. No incluye otras teorías legales cuales han sido adoptadas por otros estados
pero aun no han sido aceptadas en los tribunales de Idaho. En varios puntos de este folleto, se le
aconseja al inquilino que obtenga ayuda legal de un abogado. Es especialmente importante para los
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