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Having Good Credit Is Important -- That's Why We Put This Site Together. Welcome To RepairsCreditScore.com. This Site Is A Free Information Resource That Will Answer All Your Questions About Credit Repair. As You Explore This Site, You'll Discover...
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Avoid False Promises Of Credit Repair Companies
Author: Adam Goldman
If it sounds unlikely to be true, it probably is. This rule holds true even when it comes to credit repair. More often than not, the promises of certain credit repair companies to help clean up your credit history are completely false. Here are some of the things they will ask you to do in order to ‘repair’ your credit:
Get a new identity
Some companies will try to get you to create another identity – one with no bad history – as a means to clear all your bad credit history. Not only is this impossible, it is also against the law to have another social security number to your name.
Submit incorrect information
Rather than work on your bad history, these companies insist that you submit incorrect information pertaining to your purchases. This is so that you can dispute the information or get the company to ‘correct’ certain bad histories to make your credit report look better. Technically, it is a good idea but in reality, you are committing fraud.
Pay them to get you your credit report
Under certain circumstances, you are able get a free credit report without having to pay a credit repair company for it. If you are denied the application for a credit card, you can ask for your credit report within 60 days for free. In the event that you spot a mistake within the report, you have the rights to contact both the reporting company as well as the information provider for a dispute. An investigation will ensue and within a month, the problem will be rectified – all without a fee.
Payment first, service comes later
In reality, no individual or agency can legally rid your credit report of any bad history. Some companies will ask for payment from you to help clear up incorrect information, which can be done by yourself for free. Others will ask you to send them checks so they can handle the ‘payments’ for you, then vanish into thin air months later. Regardless of the reasons they give you, if you do not receive your ‘goods’ upon payment, they have committed an offence, punishable by law.
About the Author :
Adam Goldman recommends Find Credit Cards to apply for a Morgan Stanley card. See http://www.findcreditcards.org/issuer/morgan-stanley.php for more information.
This article is distributed by: www.iSnare.com
Article Keywords:
Credit Repair |
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A Quick Note
From The Publisher...
If you like the article above, you may be
interested in the following article which is also related to Credit Repair...
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FAQ: How Can I Repair My Credit Rating? |
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How can I repair my credit rating? According to the Federal Trade Commission, the only way to repair bad credit is to be patient and wait. This is a frequently heard answer, but some organizations are coming around. Even Fair Isaac, the creators of the FICO scoring system, now suggests that consumers should make every effort to improve their credit scores. Can I repair my credit rating if I have had late payments? Of the many factors which affect credit scores negatively, late payments reported by creditors is a major one. Many creditors will remove late payment reports if the customer asks in the right way. You can improve your credit score by having reports of late payments removed from your credit report. Will the credit bureau repair my credit rating? The credit bureaus will do nothing to repair your credit rating unless you initiate a dispute. You can dispute items on your credit reports that are inaccurate, misleading, outdated or unverifiable. The credit bureaus... |
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Credit Repair, Bad Credit Repair News |
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