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Credit repair is often used to describe a systematic process of improving credit repair.
Individual’s credit score. If You Decide to Use a Credit Repair Company
The Better Business Bureau suggests that you be wary of companies that don’t disclose
You are within your legal rights and legally what you can do for free. they too
Recommend that you do not pay for credit repair services before any services are done.
provided, and they advise you not to participate in anything that appears to be illegal,
such as creating a new credit identity by obtaining a federal employer
Identification number to use instead of the Social Security number.
If you have a complaint about a credit repair company, contact the Better Business Bureau,
your state’s attorney general’s office, and the Federal Trade Commission. if you
Decide How To Respond To A Credit Repair Offer, Look For These Tell-Tale Signs Of A
Scam: Companies that want you to pay for credit repair services first
Provide any service, companies using email account from free email
service providers like @hotmail, @yahoo, @gmail, etc…, companies you can
Do not locate any information online, and not about repair companies
around for a long time. By law, credit repair organizations must give you a copy.
of “Consumer Credit File Rights Under State and Federal Law” before signing
Contract. If they don’t provide it to you, find another company to work for
Together.
Many states have laws regulating credit repair companies. state law enforcement
If you lost money in one of these scams, the authorities can be helpful. you have a
Right to Sue the Repair Organization for Violating the Credit Repair Organization
act. This law prohibits deceptive practices by credit repair organizations.
The Federal Trade Commission regulates credit bureaus and credit repair.
organizations.
Take some time and educate yourself about your credit report and help yourself
Eliminate problems that may be keeping your score down. multiple credit repair
Companies Are A Scam, But Many Are Legitimate By The Book, Credit
Repair companies out there too. exercise due diligence when deciding what to do
Whether or not to use a credit repair company. Ask for referrals, do a little background
work on the company, and make sure they do or don’t do certain items
The above.
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