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Is our service for you?
If you have credit problems, collection issues or stubborn past
creditors and want to do the work yourself then yes!
Our Self Help Credit Restoration-Debt Negotiation Membership is
for you if you want to fix your credit yourself, not pay an agency
and... you are tired of being abused by the credit industry and
want to educate yourself about the laws and utilize our expertise
to fight back against inaccurate credit reporting and abusive debt
collectors.
It can seem like an uphill battle correcting your credit. Collectors
can be abusive, credit bureaus don't listen and the whole process
is very annoying. That is why we created the self help service.
You won't believe what you will receive for a one time small fee!
No monthly payments, keep your private credit information private
and do the work yourself for practically nothing!
YOUR RIGHTS
All Federal Laws are in the consumer's favor. This means you have
the advantage. The specific law used here is the Federal Fair Credit
Reporting Act.
One part of this law states that when you dispute any information
contained on your credit file, the Credit Bureau must verify the
accuracy of the information with the creditor who reported the information
within 30 days. If they are unable to verify the information within
30 days, it must be removed.
Congress passed The Fair Credit Reporting Act (FCRA) because they
felt we all deserve a second chance. This act gives you the right
to correct, update, amend and tell your side of what happened to
the credit community. These laws do not work though unless you initiate
and use them. A copy of the FCRA is included in the Appendix for
your review.
The Fair Credit Reporting Act sets certain guidelines which credit
bureaus and your creditors must follow when reporting your credit
file, as well as giving the consumer certain rights.
All of this brings us to the fascinating task of working on your
credit reports. Begin by getting defensive about your credit report.
Remember that these credit reporting bureaus are just private companies
selling information about you and are not your friends. You never
authorized your creditors to sell this information and you are not
sharing in the profits they and the credit bureaus are making.
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Your Six Basic Rights
under The Fair Credit Reporting Act:
- You, the consumer, have the right to challenge the accuracy
of your credit report any time.
- The credit bureaus must reinvestigate anything you challenge
without a charge.
- The credit bureaus must reinvestigate within a reasonable
amount of time. 30 days constitutes a "reasonable amount
of time" unless the bureau notifies you otherwise (so
keep accurate records).
- If the credit bureau finds an error in the challenged
item, they must delete or correct that information in your
files immediately.
- If the credit bureaus cannot or do not confirm the challenged
item within 30 days, they must delete that information from
your files immediately.
- You have the right to submit a Consumer Statement of
your view of the problem. If you, as a credit consumer,
dispute the accuracy of certain information in your credit
report and it is verified by the creditor as correct, then
the credit bureau is required to include your explanation
of your dispute, if you request, in your credit report.
Limit your explanation to no more than 100 words.
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