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Free credit repair information. Time limit. Information reported because of an application for more than $50,000 worth of credit line or life insurance has no time limitation Default information concerning a US Government insured or guaranteed loan can be reported for seven years after certain guarantor actions Information concerning a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. For More Information contact: Institute of Consumer Financial Education's Executive Director Paul Richard, RFC at: (619) 239-1401 "Do-It-Yourself Credit File Correction Guide", Copyright 2003. All Rights Reserved by Paul Richard, RFC - PO Box 34070. San Diego, CA. 92163-4070 To Order Financial Education Books, Videos & Tapes: Click Here for Order Options (Online, Fax, Phone, Mail) California residents add 7.75% sales tax Visa, MasterCard or American Express Accepted THE ICFE DOES NOT ACCEPT DISCOVER CARDS, CLICK HERE TO FIND OUT WHY… call 619-239-1401 OR or send check or money order to: Institute of Consumer Financial Education P.O. Box WWW-34070 San Diego, CA 92163-4070 Printable Order Form Sponsor the ICFE - Receive Tax Benefits and Member Privileges Note: The Institute of Consumer Financial Education does not make names available to third parties Home ICFE News Releases ICFE in the News Children and Money Financial Education Resource Center Credit Card Tips Credit File Correction Mending Spending Links and Resources Shop Online Sponsor the ICFE - Receive Tax Benefits and Member Privileges Copyright © 1997 - by Paul Richard, RF free credit
 

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Ore you sign a contract. They also must give you a written contract that spells out your rights and obligations. Read these documents before you sign anything. The law contains specific protections for you. For example, a credit repair company cannot: make false claims about their services charge you until they have completed the promised services perform any services until they have your signature on a written contract and have completed a three-day waiting period. During this time, you can cancel the contract without paying any fees Your contract must specify: the payment terms for services, including their total cost a detailed description of the services to be performed how long it will take to achieve the results any guarantees they offer the company’s name and business address Have You Been Victimized? Many states have laws regulating credit repair companies. State law enforcement officials may be helpful if you’ve lost money to credit repair scams. If you’ve had a problem with a credit repair company, don’t be embarrassed to report it. While you may fear that contacting the government will only make your problems worse, remember that laws are in place to protect you. Contact your local consumer affairs office or your state Attorney General (AGs). Many AGs have toll-free consumer hotlines. Check the Blue Pages of your telephone directory for the phone number or check www.naag.org for a list of state Attorneys General. Need Help? Don’t Despair Just because you have a poor credit report doesn’t mean you won’t be able to get cred free credit


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