Legal Credit Repair ServicesMany people feel legal credit repair services is only about getting inaccurate, incomplete, and outdated credit items removed from your credit report.
You probably already know the Fair Credit Reporting Act prohibits the credit bureaus from reporting credit information that is inaccurate, incomplete or outdated. But what is often overlooked is the fact that the credit bureaus also have the burden of proving the information they report is in compliance with the credit laws. This is the hidden secret behind effective legal credit repair services.
This principle is very important to understand to legally improve your credit. It's like a criminal trial where the accused is innocent until proven guilty. The prosecution has the responsibility of proving the defendant is guilty, not the other way around.
Considering the fact that the BIG 3 credit bureaus earn over $4 billion annually by selling your personal credit information, it's only right that they prove to you that the personal credit information they sell is accurate. Think about it. They collect your personal information, with or without your permission, and sell it for a profit. Why should you be responsible for proving to the credit bureaus whether your personal information that they collect and sell is inaccurate, incomplete or outdated?
This is the real basis for legal credit repair services. Unfortunately some credit repair organizations resort to unnecessary credit repair scams because they don't understand this legal principle; and the credit bureaus certainly won't tell you.
In fact, according to transcripts from depositions where credit bureaus have been successfully sued, many of their own employees don't even realize it themselves. So when you call, they may mistakenly tell you that you are responsible for proving whether your credit information is inaccurate. But that's just not true. The law is on your side. In addition to several State consumer protection laws, these Federal credit laws were enacted to protect you:
So, I want you to think about legal credit repair services as exercising your rights to require the Big 3 credit bureaus, collection agencies, and creditors to comply with the credit laws regarding your personal credit information.
This way, all you have to do is become familiar enough with your credit rights to challenge the credit bureaus, collection agencies, and creditors to prove their compliance. If they can't prove their compliance, the credit bureaus can't legally report the non-complying items; so the negative credit information must be deleted from your credit report. It's that simple.
Remember, legal credit repair services is about exercising your rights to require the credit bureaus, collection agencies, and creditors to prove to you their compliance with the credit laws regarding your personal credit information.
Start by getting a copy of your credit reports. You can get a free copy from www.annualcreditreport.com.
Next, identify any negative items being reported by the credit bureaus. To learn more about how to identify negative items and improve your scores, complete the form below to receive your FREE download of my eBook titled "What Everyone Should Know About Credit Scores!" by Reney DuBose, Esq.
You can use these to write your own credit repair letters or contact us to provide effective legal credit repair services for you.
You should also sign up with a good credit monitoring service to regularly monitor your credit reports and credit scores and make sure you're alerted immediately regarding any changes to your credit report. Finally, it's a good idea to buy credit protection to be covered in the event you're the victim of identity theft.
Get credit information and decide for yourself who to trust