.Credit Reporting Agencies (CRA’s/Credit Bureaus), try to maintain accurate files about the consumer. However, due to the sheer magnitude of the information being entered into their databases, they frequently make mistakes that could end up costing you tens of thousands of dollars. In the recent past Trans-union, one of the largest CRA’s, admitted in Court that nearly 50% of their files contained errors. Fortunately, the law is on the side of the consumer and, with the help of the government, you can have a perfect credit report.

The Federal Fair Credit Reporting Act was enacted to help you! The law says that you can dispute any information contained in your credit report that you feel is not absolutely 100% accurate. You can demand from a CRA the deletion of records from your credit report related to late payments, charge-offs, repossessions, foreclosures, even bankruptcy.

Believe it, THE LAW IS ON YOUR SIDE! These methods of credit repair are legal, honest, and the Federal Trade Commission governs them. You can have the CRA’s remove anything you dispute successfully.

When your files are incorrect or outdated, you do have rights under the FEDERAL FAIR CREDIT REPORTING ACT.  This act was put into place to protect consumers from being judged unfairly because of inaccurate or outdated information.

In today's society it is hard to function without good credit, whether you want to buy a car or a house, obtain a loan or credit card, even getting a good job could be difficult if you have bad credit.  In this blog I will post articles and information designed to help you select the correct techniques and the orderly sequence of steps needed for each type of credit problem and how to correct them.

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