CREDIT REPAIRS

Everything You Need to Repair Your Credit Now

 

   D-I-Y CREDIT REPAIR
I just wanted to thank you and let you know that by joining your site I was able to obtain a Citibank Platinum Credit Card within three weeks!  Thank you for putting my life back in order.  --Sincerely, Susan Berylman

Is our service for you?

If you have credit problems, collection issues or stubborn past creditors and want to do the work yourself then yes! 

Our Self Help Credit Restoration-Debt Negotiation Membership is for you if you want to fix your credit yourself, not pay an agency and... you are tired of being abused by the credit industry and want to educate yourself about the laws and utilize our expertise to fight back against inaccurate credit reporting and abusive debt collectors. 

It can seem like an uphill battle correcting your credit. Collectors can be abusive, credit bureaus don't listen and the whole process is very annoying. That is why we created the self help service. You won't believe what you will receive for a one time small fee! No monthly payments, keep your private credit information private and do the work yourself for practically nothing!

YOUR RIGHTS

All Federal Laws are in the consumer's favor. This means you have the advantage. The specific law used here is the Federal Fair Credit Reporting Act.

One part of this law states that when you dispute any information contained on your credit file, the Credit Bureau must verify the accuracy of the information with the creditor who reported the information within 30 days. If they are unable to verify the information within 30 days, it must be removed.

Congress passed The Fair Credit Reporting Act (FCRA) because they felt we all deserve a second chance. This act gives you the right to correct, update, amend and tell your side of what happened to the credit community. These laws do not work though unless you initiate and use them. A copy of the FCRA is included in the Appendix for your review.

The Fair Credit Reporting Act sets certain guidelines which credit bureaus and your creditors must follow when reporting your credit file, as well as giving the consumer certain rights.

All of this brings us to the fascinating task of working on your credit reports. Begin by getting defensive about your credit report. Remember that these credit reporting bureaus are just private companies selling information about you and are not your friends. You never authorized your creditors to sell this information and you are not sharing in the profits they and the credit bureaus are making.

Your Six Basic Rights under The Fair Credit Reporting Act
1. You, the consumer, have the right to challenge the accuracy of your credit report any time.

2. The credit bureaus must reinvestigate anything you challenge without a charge.

3. The credit bureaus must reinvestigate within a reasonable amount of time. 30 days constitutes a "reasonable amount of time" unless the bureau notifies you otherwise (so keep accurate records).

4. If the credit bureau finds an error in the challenged item, they must delete or correct that information in your files immediately.

5. If the credit bureaus cannot or do not confirm the challenged item within 30 days, they must delete that information from your files immediately.

6. You have the right to submit a Consumer Statement of your view of the problem. If you, as a credit consumer, dispute the accuracy of certain information in your credit report and it is verified by the creditor as correct, then the credit bureau is required to include your explanation of your dispute, if you request, in your credit report. Limit your explanation to no more than 100 words.

Learn about these laws and SO MUCH MORE - Join now!

The Warning Signs

If you decide to respond to a credit repair offer, beware of companies that:

Want you to pay for credit repair services before any services are provided;

Do not tell you your legal rights and what you can do-yourself-for free;

Recommend that you not contact a credit bureau directly;

Suggest that you try to invent a "new" credit report by applying for an Employer Identification Number to use instead of your Social Security Number;

or Advise you to dispute all information in your credit report or take any action that seems illegal, such as creating a new credit identity. If you follow illegal advice and commit fraud, you may be subject to prosecution.

You could be charged and prosecuted for mail or wire fraud if you use the mail or telephone to apply for credit and provide false information. It's a federal crime to make false statements on a loan or credit application, to misrepresent your Social Security Number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses.

Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the promised services.

 

FreeCreditReport.com
It's quick and easy - and best of all, it's free. 
 

Benefits of Joining

+Over 375 pages of information and secrets based on 25 years of research!

+Step by Step guide on how to repair YOUR OWN credit!

$19.95 grants you lifetime access to our members area!

 

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