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- Gregory of Nyssa (The Early Church Fathers).
Call: 1- for a Free Credit Repair Consultation. Many criticisms of credit repair companies are based on the same simple premise; there is nothing a credit repair company can do for you that you cannot do yourself. The FTC website even states that "anything a credit repair clinic can do legally, you can do for yourself at little or no cost" and the Credit Repair Organizations Act goes so far as to require that all credit repair organizations provide a statement to every customer with specific language stating that all consumers have the right to order copies of their credit reports and dispute any inaccurate information they contain.
Lexington Law has helped clients work towards fair and accurate credit scores by leveraging their rights. So what is the truth behind these statements? There is nothing Lexington Law or any other credit repair company can do for you that, given experience and study, you could not do for yourself. Of course, the same could be said of many of the services people already pay for. People do so every day and while there are laws dictating some parts of the process you must dispose of waste in an appropriate manner , there are no regulations stating that you have to pay a mechanic to do these things for you.
But while many people will take the time to learn the basic steps to maintaining their vehicle, there is little concern that mechanics will be running out of work anytime soon. For most people, it is simply not worth it to learn how to repair their own cars and then take the time to do so. It is a better use of resources to pay someone who already has the knowledge, experience, and tools to do the job for them. It is clear that, although mechanics do not do anything for you cannot do yourself, they are still a highly valuable service. The same can be said for the lawn care service that aerates and fertilizes your lawn, the tax accountant who charges to prepare your statements, and even the supermarket you purchase cheese from instead of milking your own cow.
And the same can be said for credit repair companies like Lexington Law that help consumers who do not have the time or desire to take on the task themselves. For over 25 years, Lexington Law's credit repair services have been helping clients legally dispute the questionable negative items on their credit reports with impressive results. Lexington Law's clients have seen millions of negative items removed from their credit reports including late payments, collections, charge-offs, and even bankruptcies.
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Credit Access. After the information provider gets notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company.
If the investigation reveals that the disputed information is inaccurate, the information provider has to notify the nationwide credit reporting companies so they can correct it in your file. When the investigation is complete, the credit reporting company must give you the results in writing, too, and a free copy of your report if the dispute results in a change. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. If you ask, the credit reporting company must send notices of any correction to anyone who got your report in the past six months.summerattractioncamp.pickupartist.ro/wp-content/2020-06-02/4142-que-hacer-en.php
Frequently Asked Questions on Credit Repair
You also can ask that a corrected copy of your report be sent to anyone who got a copy during the past two years for employment purposes. You also can ask the credit reporting company to give your statement to anyone who got a copy of your report in the recent past. Step 2: Tell the creditor or other information provider, in writing, that you dispute an item. Include copies NOT originals of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute.
And if the information is found to be inaccurate, the provider may not report it again. When negative information in your report is accurate, only time can make it go away. A credit reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. The seven-year reporting period starts from the date the event took place.
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The Credit Repair Organization Act CROA makes it illegal for credit repair companies to lie about what they can do for you, and to charge you before they've performed their services. What if a credit repair company you hired doesn't live up to its promises? You have some options.
You can:. Many states also have laws regulating credit repair companies. If you have a problem with a credit repair company, report it to your local consumer affairs office or to your state attorney general AG. You also can file a complaint with the Federal Trade Commission. Although the FTC can't resolve individual credit disputes, it can take action against a company if there's a pattern of possible law violations.
File your complaint online at ftc. Creditors set their own standards, and not all look at your credit history the same way.
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Some may look only at recent years to evaluate you for credit, and they may give you credit if your bill-paying history has improved. It may be worthwhile to contact creditors informally to discuss their credit standards. Many are nonprofit and work with you to solve your financial problems. Most credit counselors offer services through local offices, online, or on the phone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.
Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.