الخميس، سبتمبر 10، 2009

The True Meaning of Credit Repair - Repair Credit Tips

Many people have been surprised to find that their credit is not so
stellar. One such person is Liza. She is a young, single mom who had
no idea how her bad credit would impact her ability to find a place
for her and her son to live. As Liza began the process of purchasing
her first home she found that she did not qualify for several loans
because of her credit status. Her lender suggested that she repair her
credit in order to qualify for a loan to purchase a house. Since Liza
had no clue that her credit was bad, she had no idea how exactly she
could repair her credit.
In trying to understand exactly what is meant by credit repair, Liza
turned to the internet to for information. She learned that credit
repair is the process by which one actively works to make sure his or
her credit report is completely accurate. This in turn, ensures one's
credit score is the best that it can be. It also describes the way one
organizes his or her finances to eliminate debt and ultimately rebuild
credit to become eligible for things like mortgages and auto loans.
When she looked for companies that could help her repair her credit,
Liza found hundreds of credit repair companies to choose from.
Figuring out where to start was completely overwhelming.
If you find yourself in the same situation, continue to read this
article. Here you'll find lots of helpful information regarding how a
credit repair company's services can benefit you while also learning
to separate the legit from the devious.
What you should expect from your Credit Repair (CR) Company:
1) According to the Credit Repair Organization Act of 1996, all CR
organizations must give you a copy of the 'Consumer Credit File Rights
Under State and Federal Law' before you sign any contracts with them.
It is important that you take the time to read this and understand
this.
2) Credit repair companies must also provide you with a written
contract that explains in detail your rights and obligations to the
contract. The contract must contain information that shows payment
terms with total cost of services, a completely detailed description
of the services that they will be performing for you, a list of any
and all guarantees that they offer as well as how long it will take
for them to achieve results with your credit. If the contract is
missing any of this information, it is important that you do not sign
the contract and perhaps even go looking for another company to do
business with.
3) You should expect that the CR company that you choose will not
expect any payment up front. Payment should only be rendered with they
have completed the services as outlined in the contract.
4) Never trust a company that promises to create a new identity for
you. This is usually done in an illegal manner and should be avoided
as it is considered fraud.
5) A good CR service will not only tell you to get your credit reports
and review them with you, but they will also help you dispute any
problems.
The truth of the matter is that no one can remove negative information
from your credit report if that negative information is true. Accurate
negative information on your credit report will stay there for at
least seven years or more. All good credit repair agencies will
understand this and should be able to provide you with alternative
ways to improve your credit score other then just removing the
negatives.

Raises Credit Score 135 Points in 37 Days: http://www.ctrpstrvl.tk/

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