Credit repair is the act of removing negative items from your credit report to improve your credit score. You can do this using the Fair Credit Reporting Act, which gives consumers the right to dispute anything on their credit reports they believe to be incorrect or erroneous.
The process involves disputing your negative items to the credit bureaus. The credit bureaus then have 30 days to verify your listings with the original creditors or it must be removed. There are other aspects of credit repair involving reducing debt and inquiries, but removing negative items is the main part.
Lexton law credit repair, and blue sky credit repair.
Credit repair is LEGAL. You may have heard some mention that credit repair is actually illegal; but the fact of the matter is there is nothing illegal about credit repair and disputing inaccurate information about your credit file. The Fair Credit Reporting Act (FCRA) actually encourages people to dispute inaccurate information.
Credit repair agencies can help your credit report by ensuring that inaccurate or erroneous items are corrected. However if you want to do it by yourself, the key to repairing bad credit is to write a properly formatted credit repair letters to one or all of the credit bureaus and send them out via registered mail.
The shieldcredit website provides users with the assistance they require to repair their credit. Credit repair companies can be found by simply searching the internet. There are sure to be various companies to choose from.
Credit repair software does work, but it is meant more for companies to track progress, assist in automation of the credit repair business. Many credit repair software programs have template letters that can assist someone in repairing their credit. However, it is not the software that repairs the credit, items on the credit report can be removed if they are inaccurately reporting, are not verifiable, or are obsolete. The software would simply help you create the letters which are then sent off to the credit bureaus to begin the disputing process.
It all depends on the state your legal entity is operating from.
Check these out: Credit Repair: What the Credit Industry Doesn't Want You to Know by Richard L. Dimaggio Credit Repair Made Simple by Brian Eichhorn How about this book? The Guerrilla Guide to Credit Repair: How to Find Out What's Wrong With Your Credit Rating-And How to Fix It by Todd Bierman, Nathaniel Wice Good Luck!
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A credit repair clinic claims to fix your credit or qualify you for a loan. But you can do these things yourself without paying the fee that a repair clinic will charge.
There is no license required to perform Credit repair. Consider becoming a member of a trade association that regulates the credit service industry. Credit Consultants Association is such an organization.
There are many famous credit repair businesses, including Lexington Law, Sky Blue Credit Repair Services and The Credit People. Ovation Credit and Veracity Credit Repair are also popular credit repair businesses.
There is no quick way to repair credit. There are several forums online that can be extremely helpful which are a community of people all trying to repair their credit. I would also check out www.creditkarma.com. They offer great tips and articles on repairing your credit and also allow you to check your credit score as often as you want absolutely free.