800-930-7627 (RMCR)	800-230-7626 FAX
ASSOCIATION LINKS
Associations Link page   National Credit Reporting Association, Inc. Mortgage Bankers Association of America National Association of Professional Mortgage Women National Association of Mortgage Brokers National Association of Realtors
GOVERNMENT LINKS
Federal Trade Commission   - Fair Credit Reporting Act : "FACT Act" Actions - FACT Act : Effective Dates for the Fair and Accurate Credit Transactions Act   - FCRA: Fair Credit Reporting Act - FACT ACT: Fair and Accurate Credit Transactions Act   - FTC Staff Opinion letters (1997-2001)   - How to Dispute Credit Report Errors - FTC   *NEW* Notice to Users: Obligations of Users Under the FCRA   Office of Foreign Assets Control (OFAC) / SDN and Blocked Persons   * Impact to Mortgage Lenders: Select Text FCRA/FACT Act (Word format)   * Summary of Notice to End Users of Consumer Reports (Word format)   * Notice to the Home Loan Applicant (Word format)   *NEW* Notice to Furnishers: Obligations of Furnishers Under the FCRA What Information Providers need to know. (How long derog stay on report)   Fannie Mae - Credit Information Providers, Fannie Mae.   Freddie Mac - Credit Reporting Affiliates, Freddie Mac.   Ginnie Mae U.S. Department of Housing and Urban Development Department of Veterans Affairs, Home Loan Guaranty Services Federal Housing Administration (FHA), HUD - Nontraditional Credit Verification and Evaluation - FHA/HUD   Federal Consumer Information Center, Pueblo
CREDIT INDUSTRY & SOFTWARE LINKS
Fair, Isaac and Company (FICO score)   Consumer Data Industry Association, (ACB)   MCL Client Login WEBSTAR Client Login   4506-T Request for Transcript of Tax Return (11/05) (PDF format) ECOA Explanation of common coding on report (Word format) Royal Credit Report Authorization and Release (Word format) FACT Act Example Alerts that require user action (Word format)
CONSUMER INFORMATION LINKS
*NEW* Refer to CREDIT SCORE NEWS.com for many links to Free Credit articles and resources     CONTACT THE NATIONAL CREDIT BUREAUS:   Equifax - CSC : Credit Services (Dispute online)   Experian Declined for credit, FREE report and Dispute online your Experian report *Welcome to the credit reporting industry's first online consumer credit advice column, Ask Max. -Risk Scores: Many models, many scales and meaningless numbers   Trans Union - TU : Credit report dispute process (Dispute online, phone or mail)   *NEW* Get Your Free Annual Credit Report online utilizing your rights under the new FCRA and FACT Act or by calling 877-322-8228 to order 1, 2 or all 3 Credit Bureaus. www.annualcreditreport.com   Free Annual Credit Report Request Form Print and mail to: P.O. Box 105281, Atlanta, GA 30348-5281   OptOut Prescreen from Credit Bureaus or You may opt-out with the nationwide credit bureaus at 888-5-OPTOUT (888-567-8688)   *NEW* Your application may trigger competing offers - FTC ALERT   *NEW* FTC says it can't protect Mortgage-Seekers from 'Trigger list' - NEWS   Prescreened Offers of Credit and Insurance - FTC   Privacy Rights: Prescreened Credit and Insurance Offers   Credit Bureaus Share Your Loan Application - NEWS   National Do Not Call Registry   FTC - Q and A: The National Do Not Call Registry   Credit card companies' evil tricks - MSN money   *Credit Scoring factors and tips on improving your score - myFICO   Credit scorer aims to end "rental" of good ratings   Understanding Your FICO Score - myFICO   Understanding Your Credit Score booklet - myFICO   myFICO - Credit Education and Scoring by Fair, Isaac and Company   myFICO - FICO Credit Scoring by Fair, Isaac and Company   FICO Credit Score Estimator - myFICO   myFICO - Credit Inquiries emphasis   *NEW* Vantagescore The three national credit bureaus Single Credit Score System   FEDERAL TRADE COMMISSION (FTC CREDIT sites):   The FTC's Web site on Credit   *NEW* A Summary of Your Rights Under the Fair Credit Reporting Act   Credit Repair: Self help maybe best - FTC   How do I dispute errors on my National Credit Report - FTC   Building a Better Credit Report - FTC   What is Credit Scoring and why is it used - FTC   Fair Debt Collection: Facts for Consumers - FTC   Fair Credit Billing: Facts for Consumers - FTC   Need Credit or Insurance? Your Credit Score Helps Determine What You'll Pay   Identity Theft Victims' Statement of Rights - FTC   *NEW* Remedying the Effects of Identity Theft: Summary of Consumer Rights Under the Fair Credit Reporting Act   Defend: Take Action Immediately (What are the steps I should take if I'm a victim of identity theft?) - FTC   *Tools for Victims of Fraud Id Theft - FTC   - Fraud : ID Theft Affidavit - FTC   - Fraud : ID Theft Site - FTC   - Combating Identity Theft: A Strategic Plan. Task Force and Report Identity Theft   - Fraud Laws: Federal and State - FTC   REGULATION OF CREDIT REPAIR ORGANIZATIONS   **FTC CONSUMER PROTECTION (Lots of how to information A-Z, and Spanish versions)   UNITED STATES TRUSTEE PROGRAM: Bankruptcy Abuse Prevention and Consumer Protection Act of 2005   New Bankruptcy Law Tightens Rules   List of Credit Counseling Agencies Approved by State

ONLINE CREDIT BUREAU LINKS
	LinkPartners.com The Easy Way to Find Link Swap Partners
Royal Service |  Royal Options |  Fico | FICO Score Reasons | Email Us | Hot Links | Home