|
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!
Wipe Out Debts Without
Bankruptcy
Winning The Credit Card Game
How to obtain an $800 Loan By Mail - Interest Free!
Solving Credit Problems
Guerrilla Tactics That Will Give You A Good Credit Rating
Legal Ways To Get The Bill Collectors Off Your Back
Nine Ways To Lower Your Auto Insurance
Sure-Fire Methods Of Raising Instant Cash
Divorce and Credit
Consumer Handbook to Credit Protection Laws
How To Dispute Credit Report Errors
66 Ways to Save Money
How To Collect Business Debts
Choosing and Using Credit Cards
|
