Credit Repair

Help Fixing Credit Score – Guide to the Laws, Your Rights, and What Kinds of Services are Available

Do you need help fixing credit score? Millions of others do as well, and millions before. Credit problems are something so many people face at some point. There are services to help you clean the reports up as much as they can. There is also free information available if you want to try and do it yourself. However, it will likely take more time and potentially cause you much frustration.

You have a right (and responsibility) to monitor all three of your credit reports and protect your information. The federal Fair Credit Reporting Act, or FCRA, promotes the privacy, accuracy, and fairness of all of the information being reported about you to the credit bureaus. Suppose there is anything on any of the reports that you feel is inaccurate or unfair. In that case, you can contact each report bureaus to have that item or item removed.

There is no guarantee that the items will be removed, however. This problem is why some people turn to legal experts for help fixing credit score. While these services typically aren’t free, you won’t be expected to pay anything until they begin the process of contacting the credit reporting agencies and creditors as well as any debt collectors on your behalf.

You can’t remove some items. If there are any charge-offs, they can remain on the report for several years (usually 7) from the date of the first missed payment that eventually led to default. Bankruptcy can stay on a report for up to a decade. As for lawsuits from creditors or collection agencies, the laws vary from state to state.

Help Fixing Credit Score By Learning Local and Federal Laws

Learn about federal laws and state laws regarding your credit reports. If you feel that some charge-offs / defaulted accounts should have fallen off the report by now, it may be worthwhile to get help fixing credit score. Also, there is a “goodwill” request. A consumer can request a creditor or debt collector to remove a collection, even if the time isn’t up yet. You stand a better chance of this happening if you are in the process of trying to get your debts in order.

When hiring professionals to do these services for you, beware of any scam. Do not pay anything upfront. If they are trying to make extraordinary claims such as “bring your score up X amount of points in just X amount of weeks/months/any specific timeframe,” then it is a scam. Genuine companies will be honest with you about what might be removable and what isn’t and may even give you an estimated time frame, but won’t make any specific, too good to be true claims.

Credit Saint has been offering help fixing credit score for over 15 years and has an excellent reputation. It is BBB accredited and offers a 90-day money-back guarantee. There are four levels of services to choose from, with various prices and “amounts of aggressiveness.” The consultation process is free.

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