Credit repair & credit report - 2007 - jan-feb
Repair credit report online. Advice for Consumers How can you avoid turning credit repair into credit despair? Here are a few suggestions: Avoid any company that wants you to pay for credit repair services before they provide any services. It is against the law. Avoid any credit repair company that will not tell you your legal rights and what you can do, yourself, for free. Avoid any credit repair company that tells you not to contact a credit reporting company directly. Avoid any credit repair company that advises you to dispute all of the information in your credit report. Avoid any company that suggests creating a “new” credit identity – and then, a new credit report – by applying for an Employer Identification Number to use instead of your Social Security number. That is against the law. If you follow illegal advice and commit fraud, you also may be subject to prosecution. The FTC advises that only time, a conscious effort, and a personal debt repayment plan can improve your credit report. The first step is to learn what information is in your credit report. If you find errors or mistakes, federal law gives you the right to have them corrected – free of charge. Federal law requires that the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – provide you with a free copy of your credit report once every 12 months, if you ask for it. To order your free report, visit annualcreditreport.com, call 1-877-322-8228, or complete and mail the Annual Credit Report Request Form. Other credit repair information is available on the FTC’s
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Credit repair--get credit report and fix credit help
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