Repair your credit and raise your credit score today! Check out these credit repair reviews to choose the right program to repair your credit today. Click here: http://credit-repair.96-brilliant-clever-essays.com

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Repair your credit and raise your credit score today! Check out these credit repair reviews to
choose the right program to repair your credit today. Click here:
http://credit-repair.96-brilliant-clever-essays.com
==== ====
Every day, consumers pay huge sums of money to credit-repair service companies that promise a
quick credit fix in an effort to handle disputes, improve their ratings and get a good FICO score.
And almost all of the time, they find that their money is completely wasted.
Having good credit can help you get much better interest rates for a car or home loan as you may
know. A bad credit history can leave you stuck with loans that carry sky-high interest rates and
bad terms that are tough to get out of. At times some of your bad credit can cost you a needed job.
The offers you find may seem attractive but 'let the buyer beware'! Some legitimate credit-repair
companies exist but many of the claims that you hear advertised are usually false and just a way
to part you with your hard-earned money.
If you're thinking about signing a contract with any credit-repair service you should at least know
your rights. Please be aware of the following five reasons why you should not commit:
1. If the credit-repair company charges an upfront fee - do not commit. Under the federal Credit
Repair Organizations Act - which was enacted to take care of deceptive and abusive credit repair
business practices - it makes it illegal for companies to charge consumers BEFORE they perform
any credit-repair services. So it's against the law for credit-repair companies to seek payment from
you until they have fully completed the repair services they have promised.
2. If the credit-repair company says it will, on your behalf, dispute information in your file, including
items you know are correct, then beware. If the service's plan is to lie, or dispute what you know to
be accurate information then it's not a reputable company. While YOU can dispute any information
in your credit files that you think is incorrect, no credit-repair company has the right to remove any
accurate, current information from anyone's credit report.
And if the information in your file is totally correct good or bad, only the passage of time can
reduce the impact of any negative information. Negative information such as late payments can
stay in your credit file for as long as seven years. And a personal bankruptcy filing can take as ten
years. Any negative information on your credit scores lessens as the years pass by.
3. Before you sign any contract, the company has to provide you with a free copy of the FTC's
"Consumer Credit File Rights Under State And Federal Law." These guidelines clearly outline
what the service can and cannot do.
4. The company may tell you they can get you a new credit identity by applying for an employer
identification number, or EIN, from the IRS (Internal Revenue Service.) They may tell you that you

2. can use this number instead of your Social Security number. But if you don't own a business, then
this isn't a legitimate way to repair your personal credit history. And it's a federal crime to get an
EIN under false pretenses.
5. If the credit-repair service tells you not to directly contact any of the credit-reporting agencies or
credit bureaus, you don't want to hire them.
Simply put, you can easily clean up your credit report and repair your credit report history yourself.
Everything a credit-repair company promises they can do that is legitimate, you can do yourself.
You do not need a credit repair service. Many are unethical and will just take your money and run.
Some will even charge you a monthly fee for ongoing credit repair.
With these tips you should be well-informed before making a decision about hiring any credit-
repair service. You can easily get your business or personal annual credit report online free. Why
not order and get your newest free credit report from Equifax, Experian or Trans Union, the 3
credit bureaus or reporting agencies, do a little research and fix your credit history yourself? It's
really not hard at all.
Quickly find out how to get a free credit report online instantly, fix your own credit and get help with
credit disputes. Lots of tips, advice and help from a caring credit expert. Get free credit repair info -
go to http://www.FreeCreditReportInstantOnline.com
Article Source:
http://EzineArticles.com/?expert=Helen_Hecker
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Repair your credit and raise your credit score today! Check out these credit repair reviews to
choose the right program to repair your credit today. Click here:
http://credit-repair.96-brilliant-clever-essays.com
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