The Super Secrets of Credit
The Super Secrets of Credit – Absolute Truth About Credit Repair Companies.
Despite the fact that the U.S Government makes it very clear that nobody can repair your credit except you, the credit repair companies keep growing in number very blessed day. They will
promise you heaven and earth just for you to buy their service.
One very important thing is that most people that are still taking the service of credit repair companies don’t understand that government’s advice is often based on advices of experts.
They charge upfront fees, maintenance fees, and monthly fees, all of which you are supposed to place in a trust account.
Why should you in the first place pay somebody to help you fix your credit, when it’s obvious that most of their results are often temporary? You will end up losing more money.
When you use the service of credit repair companies to fix your bad credit you will be forced to share your personal information with them before they can do anything about your credit.
The meaning is that you are liable to identity theft and unwanted mailings you did not solicit from other companies trying to sell you something.
The whole truth is that you can do what most of these companies do, if you care to know how to do it. All most of them do is to write letters to credit bureaus, listing few information that are false in your credit report.
When the credit bureau gets the information from the repair company, they will start investigating it.
They will remove the information temporarily during this period, thus giving you a clear credit report. Since this report is temporary, if credit bureaus are able to prove their previous action right, they will add it back to your report again.
So, if all you need is a temporary clean credit report, why not do it yourself instead of paying somebody to do it for you. It’s obvious, nobody removes negative information that’s accurate from your credit report.
Since you have the legal right to obtain and dispute a copy of your credit report if there is any error in it, you can improve your credit more effectively on your own.
Behavioral Health Rehabilitative Specialist & Addiction Counselor
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