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Online Credit Report Repair Directory: learn about credit repair services, prevent credit repair scams from national credit repair companies.
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Top Credit Repair Tips from AskMrCredit.com
Credit repair scams - the warning signs
If you decide to respond to a credit repair offer, beware of companies that: want you to pay for credit repair services before any services are provided; do not tell you your legal rights and what ...Read moreCredit repair scams - recognizing an advance-fee loan scam
There are many fraudulent loan brokers and other individuals misrepresenting the availability of credit and credit terms. One of their favorite strategies is the "advance-fee" loan scam. That's where ...Read moreWhy should i repair my credit?
Bad credit makes it difficult to borrow money or get a credit card. It may also keep you from renting an apartment, starting phone service, financing a car, buying a home or even getting a job. ...Read moreRepairing credit using credit counseling agencies
If you decide to use a credit counseling agency, the Federal Trade Commission provides the following tips for choosing a credit counseling agency and questions to ask regarding services and fees and ...Read moreThe warning signs
If you decide to respond to a credit repair offer, beware of companies that: Want you to pay for credit repair services before any services are provided; Do not tell you your legal rights and what ...Read moreWhat does it mean to have damaged credit?
Damaged credit can be the result of late payments on your credit cards, loans you never paid back, delinquent child support, tax liens, court judgments against you or bankruptcy. When you apply for ...Read moreCredit repair scams - the credit repair organizations act
By law, credit repair organizations must give you a copy of the "Consumer Credit File Rights Under State and Federal Law" before you sign a contract. They also must give you a written contract that ...Read moreHow do i dispute inaccurate information?
Usually, you will find a "dispute form" with your credit report. Write down exactly what you believe is inaccurate in your report on this form and send it back to the credit reporting bureau. If the ...Read moreIs it true that you can obtain a new personal identity number that will allow you to get credit even though you have a bad record?
No. Companies that promise you can get a new Social Security number or tax identification number are attempting to illegally exploit a law that allows people to apply for a special tax identification ...Read moreCredit repair scams - advance-fee loan scams
These scams often target consumers with credit problems or consumers who have difficulty getting credit. In exchange for an up-front fee, these companies guarantee that applicants will get the credit ...Read moreShowing 21 to 30 of 37 Facts
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About credit repair, Be aware!
Everyday, companies nationwide appeal to consumers with poor credit histories. They promise, for a fee, to clean up your credit report so you can get a car loan, a home mortgage, insurance, or even a job. The truth is, they can't deliver. After you pay them hundreds or thousands of dollars in up-front fees, these companies do nothing to improve your credit report; many simply vanish with your money.
You can repair your credit by simply following simple rules like paying your credit cards on time and limiting your credit debt. Read how to fix your credit.
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