Fix Credit Score. (Fast & Legal). Serving California Since 1991.
California.LexingtonLaw.com
Is Credit Repair Right For You? Evaluate Options +Free Consultation
CreditRepair.com
We'll repair your credit guaranteed or your money back -simple as that!
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A good Credit Score is 700+ and can save you money. See yours now - $0
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My Rating
Credit repair services and information. Learn about credit repair services and submit a free credit evaluation form online.
www.creditreportrepair.net
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My Rating
In-Depth Review of Top Sites. Unbiased 8-Point Comparison
InsideBadCredit.com
100% Permanent Credit Restoration Quickest Results in the Industry!
www.TrinityCreditServices.com
Help with credit repairs online. Credit secrets that increase score.
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Save '000's on (Fast) Credit Repair Credit Secrets Guide & Score 700+
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Get a new car & improve your credit 4 L.A. dealerships. Apply on-line
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Nothing is more important in your financial life than your credit score. If your credit score requires fixing, let Credit Mending assist you.
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A good Credit Score is 700+ and can save you money. See yours now - $0
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Credit repair services and information. Learn about credit repair services and submit a free credit evaluation form online.
www.creditreportrepair.net
Access credit repair advice for consumers from the Federal Trade Commission. Provides helpful tips for avoiding credit clean-up scams.
www.ftc.gov
Consumer report protects consumers from credit fix scam artists and companies. Understand your options from a trustable government source.
www.ftc.gov
We offer an an affective solution for people that are looking for information about protecting their credit.
www.get-financed.org
Specializes in credit repair and restoration. Eliminate collection accounts, judgements, deliquent accounts, late payments and bankruptcy.
www.gocleancredit.com
Challenge credit items with an attorney that works with bankruptcy, charge offs, liens and other credit related items that affect FICO credit scores.
www.macylegal.com
Credit repair, restoration, and counseling services since 1989. Fair Credit Reporting Act specialists. Services offered nationwide.
www.skybluecredit.com
Fix Credit Score. (Fast & Legal). Serving California Since 1991.
California.LexingtonLaw.com
Is Credit Repair Right For You? Evaluate Options +Free Consultation
CreditRepair.com
We'll repair your credit guaranteed or your money back -simple as that!
www.repairyourbadcredit.com
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Guide to Credit Repair
Using credit repair services or other agencies isn't always the way to financial happinessAccording to the Federal Trade Commission, we should be wary if credit repair specialists:
1. Want you to pay a fee before providing any credit repair services.
2. Don't tell you your rights and what you can do for free.
3. Recommend that you don't contact a credit reporting agency on your own.
4. Suggest that you invent a new identity by applying for a new Social Security Number or Employer Identification Number.
5. Suggest that you dispute everything in your credit report.
Many of these tactics are fraudulent, and you could even face some heavy jail time.
Action Steps
The best contacts and resources to help you get it done
Get copies of your credit reports
All three major credit reporting agencies have to provide you with copies of your credit reports on a yearly basis if you request it or when civil action has been filed against you for collection.
I recommend:
Contact AnnualCreditReport.com to obtain free copies of reports from all three agencies on an annual basis. Contacting Experian, TransUnion and Equifax directly could result in your having to pay a fee for the report.
Read the reports for errors and omissions
You can dispute anything in your credit reports that is suspicious, erroneously reported or for claims that are more than seven years old. Bankruptcies can stay on your report for 10 years.
I recommend:
Send a letter to the credit reporting agency disputing the entry. Enclose copies of as much documentation as you can to support your claim. The agency then has 30 days to investigate your claim, unless they consider it frivolous. Don't dispute too many claims, or they will ignore your letter and may file charges of fraud against you. For phone numbers and address of the three reporting agencies, check out mortgage101.com. For a sample letter, go to page six of the Federal Trade Commission's credit repair website.
Contact the creditor
Follow up by sending a letter disputing the error to the company or business that filed the claim.
I recommend:
Tell the creditor or credit information agency that filed the report that you've found an error, and request that they fix it. If they prove you correct, they cannot refile the claim. Find sample letters at CreditHealer.com and at the Credit Infocenter.
Tips & Tactics
Helpful advice for making the most of this Guide- Once your credit is reestablished, consider obtaining a gasoline card or a secured credit card to generate a positive credit history.
- Keep your credit card balances within 30 percent of your available credit.
- Keep requests for additional credit at a minimum. Too many inquiries can hurt your credit rating.
- A so-called 'ideal' credit report should contain three-to-five credit cards, a mortgage loan and an installment loan, all showing a positive credit history for about two years.
Credit repair services and information. Learn about credit repair services and submit a free credit evaluation form online.
