Bad Credit Services

If it sounds unlikely to be true, it probably is. This rule holds true even when it comes to credit repair. More often than not, the promises of certain credit repair companies to help clean up your credit history are completely false. Here are some of the things they will ask you to do in order to 'repair' your credit:

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Get a new identity

You have a right to sue a credit repair company that violates the "Colorado Credit Services Organization Act".

Bad Consolidation Credit Debt Some companies will try to get you to create another identity - one with no bad history - as a means to clear all your bad credit history. Not only is this impossible, it is also against the law to have another social security number to your name.

Credit affects every aspect of your life, let us repair yours. Credit Report Repair credit repair company Improve your credit You don't have to wait! We are absolutely dedicated to improving your credit score. Our legal team can save you thousands of dollars. A common misconception is that bad credit has to stay on your credit report for 7 to 10 years.

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Submit incorrect information

Credit Builder is an optional service that is made available to you at no additional cost as part of the AccountNow bill payment service. Credit Builder is only a service that provides your payment history to credit reporting agencies. Credit Builder does not improve or repair your credit record, credit history or credit rating. It also does not provide advice or assistance for the improvement or repair of your credit record, credit history or credit rating. For rmation, see Credit Builder Terms and Conditions.

Bad Card Credit Credit Rather than work on your bad history, these companies insist that you submit incorrect information pertaining to your purchases. This is so that you can dispute the information or get the company to 'correct' certain bad histories to make your credit report look better. Technically, it is a good idea but in reality, you are committing fraud.

Credit repair is legal. In fact, it is governed and sanctioned by federal law. Disputing negative, inaccurate, or misleading items on your credit reports is your right as a consumer. The extension of this right to use a credit repair company is also legal. You can seek professional services to repair your car, and similarly, you can hire an experienced credit repair company to help correct errors on your credit reports.

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Pay them to get you your credit report

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Bad Credit Loan Mortgage Under certain circumstances, you are able get a free credit report without having to pay a credit repair company for it. If you are denied the application for a credit card, you can ask for your credit report within 60 days for free. In the event that you spot a mistake within the report, you have the rights to contact both the reporting company as well as the information provider for a dispute. An investigation will ensue and within a month, the problem will be rectified - all without a fee.

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Payment first, service comes later

Bad Credit Mortgage Refinance In reality, no individual or agency can legally rid your credit report of any bad history. Some companies will ask for payment from you to help clear up incorrect information, which can be done by yourself for free. Others will ask you to send them checks so they can handle the 'payments' for you, then vanish into thin air months later. Regardless of the reasons they give you, if you do not receive your 'goods' upon payment, they have committed an offence, punishable by law.

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