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Credit repair is a popular subject. It seems that almost everyone wants learn about credit repair.
Books and software programs that claim to contain everything you wanted to know about credit
repair are being sold on the internet and in retail locations all over the country. There are some
questionable credit repair schemes and some companies suggest action which is illegal.
Consumers can learn to repair their own credit, but it takes time and patience. The safest bet
when hiring someone to do the work for you is to hire a credit repair attorney. In this way, you can
be sure that you will achieve results; they know everything there is to know about credit repair.
You can also be sure that a credit repair attorney will not advise you to do anything that is illegal.
Most of the popular credit repair lawyers do not charge more than the other credit repair
companies and some offer money back guarantees.
One of the credit repair schemes investigated by the Federal Trade Commission involved a
company that told their customers that they had a special valuable computer disc. This computer
disc was supposed to contain everything you wanted to know about credit repair, when in fact
there was nothing unique about the disc or the services offered by the credit repair company.
They charged consumers, before results were achieved. In order to protect consumers from these
credit repair schemes, companies are not allowed to charge customers upfront fees. In addition,
consumers have three days to cancel any contract that they sign. Of course you may not enjoy
the same protection when buying a book or software program that claims to contain everything
you wanted to know about credit repair. So make your purchases carefully and look for money
back guarantees.
The do-it-yourself basics for everything that you wanted to know about credit repair include
reviewing and correcting the information on your credit reports. In response to a recently enacted
law, the three major credit bureaus, Equifax, Experian and TransUnion, created a website to allow
consumers easier access to their credit reports. Until this law was enacted, the credit bureaus
were allowed to charge consumers a fee for a copy of their credit reports. You are entitled to a
free copy of your credit report once in a twelve month period. You are also entitled to a free copy
if you have been denied credit recently, if you are unemployed and plan to apply for a new job
within the next three months or if you are on public assistance. The companies pushing credit
repair schemes will not tell you where to find the information that you need to repair your credit
reports, before you pay them. One way to identify a legitimate credit repair company is to look at
what they claim they can do. If they claim to be able to do things for you that you could not do for
yourself, with time, patience and know-how, then they are credit repair schemes.
The first place to go for everything that you wanted to know about credit repair is
http://www.annualcreditreport.com. The credit bureaus are allowed to promote other services and
products on this site. These are not credit repair schemes, but they are usually credit monitoring
services or newsletter subscriptions which may or may not be helpful to you in your current

2. situation. Be sure to spell the website address correctly, this writer has written a number of
articles about credit repair and has been advised that she occasionally misspells it. You can link
directly to the site from Credit Fix Solutions or the Federal Trade Commission's official website for
consumer credit.
The Federal Trade Commission website is also a good place to visit for everything that you
wanted to know about credit repair. Their advice is discouraging to anyone that hopes to attain
immediate credit repair, because there is no such thing. But they do provide a sample letter that
you can use as a guide if you are planning to dispute information in your credit reports. You can
dispute any information on your credit report that you believe is inaccurate, misleading, outdated
or unverifiable. Unverifiable means that the credit bureau cannot verify the information.
Disputing information on credit reports is the main topic of most books that claim to contain
everything you wanted to know about credit repair. Credit repair schemes may also focus on
disputing negative items on credit reports. In fact the company that claimed to own the special
computer disc, simply advised consumers to dispute every negative item on their credit report. It
is not illegal to dispute any information on your credit report, but it is illegal for a company to make
false claims about their services.
This is probably not everything that you wanted to know about credit repair, but it may be enough
to get you started. Before you buy a book or software program, visit your local library. Experts
have been writing books that are supposed to contain everything you wanted to know about credit
repair for a long time. The only information that may not be accurate, depending on the date the
book was written, is information concerning fees charged by credit bureaus for copies of credit
reports. But, this article provided you with that information. Remember to avoid the credit repair
schemes, take your time and have patience. Good Luck.
For more of everything that you wanted to know about credit repair, visit Credit Fix Solutions at
http://creditfixnow.blogspot.com
Article Source:
http://EzineArticles.com/?expert=Patsy_Rose
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Get Great Credit Repair Tips

3. http://avolonage.com/creditrepairhelp/
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