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False Collection Practices.

"A creditor may not use deceptive or misleading means in an effort to collect a debt.
1. Falsely implying that he is an attorney or government representative.
2. Falsely implying that you have committed a crime.
3. Saying correspondence is from an attorney when it is not. ..."

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How is Your Credit Score Computed?

"Certain information is found in your credit report. ...
... How Credit Score is Computed. Payment History, Outstanding Debt, Average balance, Credit History, Pursuit of new credit ..."

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How to Handle Blocking Credit Card

"Have you ever been told you were over your credit card limit, or had your debit card declined, even though you knew you had available credit, or money in your bank account? If this happened shortly after you stayed in a hotel or rented a car, the problem could have been card "blocking." ..."

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