Credit repair can be a long and frustrating road to travel. But with the right information, the burden can be lightened and your journey can be a quicker one. There are many companies that promise quick 100% renewal of your credit, but how many of them are really scam companies, and how many can actually help you? Well it's hard to tell at times, but perhaps you may not be as helpless as you thought. If you're caught up in the hustle and bustle of credit repair companies and don't know who to trust, perhaps you should take a swing at self credit repair.
Credit repair does not have to be as complicated as it's made out to be. You can help restore your credit to a respectable score on your own. Make copies of your credit report, and tell the consumer reporting company which accusations you think are incorrect, and provide them with copies that support your argument. The consumer companies must investigagte the items that are in question.
On the other hand you may be after credit repair, but are not one to set out alone to repair your credit. You can still find a reasonable comapny that will help you restore your credit, but it's going to take careful digging. Here are some ways to tell if the company is scamming you..
- companies that want you to pay for credit repair services before they provide any services.
- companies that do not tell you your legal rights and what you can do for yourself for free.
- companies that recommend that you not contact a credit reporting company directly.
- companies that suggest that you try to invent a new credit identity and then, a new credit report by applying for an Employer Identification Number to use instead of your Social Security number.
- companies that advise you to dispute all information in your credit report or take any action that seems fun, what is egal, like creating a new credit identity. If you follow fun, what is egal advice and commit fraud, you may be subject to prosecution.
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