ddition
says House, "These agencies no magic wands. They can not prevent
accurate, negative information is more effective than an individual.
Indeed, under the Fair Credit Reporting Act, it is forbidden to timely
and accurate negative information to be deleted in the creditworthiness
of an individual file. "
There is also a set of laws called the Credit Repair Organizations Act, which regulates credit repair agencies. According to the law:
The company, the consumer a copy of the "Consumer Credit File Rights under State and Federal Law" before a person can do business with them.
After someone signs a contract with the agency must wait three days before services. These three days, allowing consumers to change their minds and not dealing with costs.
• The company can not charge or collect money for until they have completed the promised services to consumers.
The Company can not suggest that someone creates a new credit file using a false Social Security number or using an Employer Identification Number (EIN) of the IRS. This is illegal.
For consumers it is important to know how positive changes to create a negative credit report. The first step is to obtain a copy of all three reports be obtained by visiting http://www.annualcreditreport.com.
Next review the reports and looking for errors. If there are errors, contact the credit reporting agencies and dispute the information. A non-profit credit counseling agency, such as American Financial Solutions can help you with this process at no additional cost.
Finally, look for ways to add positive information to the credit report. Some methods work well for many consumers use a secured credit card, obtaining a share secured loan through a credit union, or ask a relative or friend co-sign on an account.Improving a negative credit record is not something that can be done at night. It takes time to move away from the negative accounts and the time for a history of positive accounts to build. Beware of anyone who promises they can repair credit reports quickly and for a fee. Remember the old saying: "If it sounds too good to be true, it probably is."
Contact a nonprofit credit counseling agency today for more information and in managing credit, debt, budgets and financial future.
American Financial Solutions (AFS) is a nonprofit 501 (c) 3 financial education and credit counseling agency that helps people to find solutions for managing their money and improve their financial lives. Since 1999, AFS has helped individuals in the United States through one-on-one counseling, classes and the use of debt management plans. AFS is a member of the National Foundation for Credit Counseling (NFCC) and Association of Independent Consumer Credit Counseling Agencies (AICCCA). AFS is also accredited by the Council on Accreditation (COA) and has an A + rating from the Better Business Bureau. Find us and add us on Facebook, Twitter and Google +.
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There is also a set of laws called the Credit Repair Organizations Act, which regulates credit repair agencies. According to the law:
The company, the consumer a copy of the "Consumer Credit File Rights under State and Federal Law" before a person can do business with them.
After someone signs a contract with the agency must wait three days before services. These three days, allowing consumers to change their minds and not dealing with costs.
• The company can not charge or collect money for until they have completed the promised services to consumers.
The Company can not suggest that someone creates a new credit file using a false Social Security number or using an Employer Identification Number (EIN) of the IRS. This is illegal.
For consumers it is important to know how positive changes to create a negative credit report. The first step is to obtain a copy of all three reports be obtained by visiting http://www.annualcreditreport.com.
Next review the reports and looking for errors. If there are errors, contact the credit reporting agencies and dispute the information. A non-profit credit counseling agency, such as American Financial Solutions can help you with this process at no additional cost.
Finally, look for ways to add positive information to the credit report. Some methods work well for many consumers use a secured credit card, obtaining a share secured loan through a credit union, or ask a relative or friend co-sign on an account.Improving a negative credit record is not something that can be done at night. It takes time to move away from the negative accounts and the time for a history of positive accounts to build. Beware of anyone who promises they can repair credit reports quickly and for a fee. Remember the old saying: "If it sounds too good to be true, it probably is."
Contact a nonprofit credit counseling agency today for more information and in managing credit, debt, budgets and financial future.
American Financial Solutions (AFS) is a nonprofit 501 (c) 3 financial education and credit counseling agency that helps people to find solutions for managing their money and improve their financial lives. Since 1999, AFS has helped individuals in the United States through one-on-one counseling, classes and the use of debt management plans. AFS is a member of the National Foundation for Credit Counseling (NFCC) and Association of Independent Consumer Credit Counseling Agencies (AICCCA). AFS is also accredited by the Council on Accreditation (COA) and has an A + rating from the Better Business Bureau. Find us and add us on Facebook, Twitter and Google +.
http://freewebsitedirectory.org/detail/link-47688.html
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http://fm20.com/detail.php?id=69006
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