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Credit Repair

The truth is: no one can legally remove accurate and timely negative information from your credit report. However; the law does allow you to dispute information that you feel is inaccurate, incomplete or outdated. There is no charge for disputing information on your credit report. In fact, everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost. Ask the credit reporting agency for a dispute form or submit your dispute in writing, along with any supporting documentation.

According to the Fair Credit Reporting Act, you are entitled to a free copy of your credit report from each of the three major credit bureaus, TransUnion, Experian or Equifax, if you've been denied credit within the last 30 days or once every 12 months. www.annualcreditreport.com is the ONLY FTC authorized website to obtain copies of your free credit reports.

If you decide to respond to a credit repair offer, the BBB offers the following advice:

Beware of companies that claim they can remove negative information such as bankruptcy, from your credit report. It is illegal to make such a representation if the negative information reflects your true credit history. Accurate information cannot be removed from a person's credit report.

Be wary of companies that demand you provide account numbers or other financial details before sending you anything in writing. You also should avoid those companies that want you to pay up front fees before any services are provided, or companies that use high pressure sales tactics.

Another clear sign of impending fraud is when a company is reluctant to provide you with pertinent information about their business. A toll free telephone number or email address is not sufficient. Get the company name, address and phone number and do your research before getting involved or making an immediate decision.

If you have a complaint about a credit repair company don't forget to contact your Better Business Bureau and the Federal Trade Commission.
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