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Why credit report repair?

In the court system, you are presumed innocent until proven guilty. However, in the credit system, it may feel as though you are guilty until you prove your innocence.

Thankfully, the law gives you the right to dispute any credit listing on your credit reports that you feel may be inaccurate, untimely, misleading or unverifiable (questionable items). If a credit bureau can't verify the accuracy of a disputed listing, then it must be removed from your credit report.

The Fair Credit Reporting Act (FCRA) gives you the right to accurate credit reporting. Exercise that right by having your questionable credit listings either verified as accurate or removed from your credit reports according to the law.

HOW DEBT COUNSELING WORKS

The average household in the United States is in debt to the tune of about $14,500, not including mortgage debt. More and more consumers have over-extended themselves financially. Bankruptcy is no longer an option for many people. Sometimes Americans feel backed into a corner when it comes to their finances and credit scores, and many turn to debt counseling for help.


 

The difference between Debt Counseling and Debt Settlement

If you get help in time, you can actually prevent a bankruptcy or foreclosureWhen you hire a debt or credit counselor from a debt or credit counseling company, your goal is to take various steps to reduce the interest you are currently paying and to increase your credit scores. A debt settlement organization works with you and your creditors to reduce your overall debt.


Before you begin to take action on your current financial situation, it would be wise to determine which program best suits your situation.
 

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Managing Your Debt

How Debt Counseling Works
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MANAGING YOUR DEBT
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