How to Get a Free Credit Report

February 11, 2010 by James Williamson · Leave a Comment

In 2004, the Fair and Accurate Credit Transaction Act was passed enabling consumers to obtain a free credit report from each of the three national credit bureaus once a year. While there are many Web sites that claim to provide a “free” credit report, there is only one place that offers a truly free credit [...]

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RESPA Changes / Page 3 of the New Good Faith Estimate

February 11, 2010 by James Williamson · 1 Comment

The new Good Faith Estimate (GFE) became effective on January 1 and is the centerpiece of the RESPA changes. My focus the last two weeks has been on pages 1 and 2 of the new form. This week’s commentary focuses on page 3 and a sample of the form is attached for your review. Not [...]

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