Removing Inaccurate Information From Your Credit Reports

you credit repair services-but few are on the up-and-up.

I’ve found only a couple law firms that consistently play by the rules

After years of research I have been able to find only a couple law firms that consistently play by the rules. I know this because they aren’t being investigated by the FTC and don’t have attorney generals lining up to sue them.

Surprised that credit repair is 100% legal?

I bet you are.

The credit reporting agencies work very hard to convince you that ALL of these companies are scams and they can’t do anything more than you can do on your own.

That’s so untrue. There are legitimate companies that provide this service.

It’s no different than hiring a tax pro to prepare your taxes for you…or a lawyer to represent you in court if you are sued…or anything else that you can afford to pay someone else to do for you so you can keep yourself focused on your unique ability.

Sure, you can do those things yourself for free. But is it really free if you get audited or lose the lawsuit?

Bottom line: As long as the company follows the rules set forth in CROA…the credit restoration service they provide to you is ethical, legal, responsible, valuable, and time saving.

So again, credit restoration is not illegal. It’s only illegal if the company that is offering the service is not following the guidelines that Congress has set up.

Of course, the credit reporting agencies will try to make you think differently. They do a good job convincing the public, lenders, their business partners, and many others that all credit repair organizations are illegal. It’s almost as if they’re trying to brainwash you.

Law firms vs. Credit Repair Clinics

While the credit repair clinics are all about scamming you with no regard to what’s right or wrong…a legitimate law firm abides by CROA.

So what I’m basically saying is that you can fiddle around and try to remove inaccurate information from your credit reports yourself…or you can hire someone to do this for you so you can do more enjoyable things with your free time.

Personally, I decided to hire a law firm out of the pure frustration of trying to do it myself-and I know this stuff like the back of my hand!

If you really want to get right down to it…the credit reporting agencies forced me to hire a law firm.

The only reason the legitimate companies exist is because most of the credit reporting agencies make it impossible to easily talk to someone over the telephone to dispute incorrect information on your credit
reports.

If the credit reporting agencies made it easy to correct errors on your reports, then law firms wouldn’t have to deal with representing people who have been run through the credit reporting agency ringer.

In summary, the credit reporting agencies consider you guilty until you can prove yourself innocent. Be sure you do everything in your power to remove any inaccurate negative information from your credit reports. It will serve you well and help you increase your credit scores.