Credit repair for you

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Most credit repair agents have clients with issues from divorce, to loss of jobs, careers, people with joint accounts and co-signers to name a few. When people with these issues report information to the three primary bureaus, the results are often returned, obsolete or incorrect by the creditor or debt collector.

Based on the fair credit reporting act, (fora), you as a consumer have the right to dispute information that is incorrect and have it deleted from all 3 of the credit reporting bureaus. People today understand that it is next to impossible to purchase a house, car, get a loan or any kind of material treasures unless your credit is rated good.

When the credit repair agents look at the individual situation, they can focus on how to begin the process of repairing and building your credit and your credit score. This battle requires patience because now there will be several rounds of disputing and waiting for the results which will take some time.

Folk with bad credit become a risk to lenders and it's a good chance if they honor your request the interest rate they charge or if there is a down payment required both will be extremely high. This is the very reason people should seek help in this area to eliminate theses problems.

You can request a free report over the Internet from all three major credit reporting agencies. Equinox, Experience, and Trans union are the agencies you make your request to. Be advised that the free report does not include your credit score and the information is basic though detailed.

Look over the report and if you see information that is not true dispute it. Make sure you get copies of your findings, mail them to the different agencies and wait for the results. Most people don't have the time nor patience to do this on there own to get the results there looking for, so they hire a Credit Repair Co. to do it for them.

One of the first places you should consider is the office of a credit repair attorney. They are skilled professionals and know what it takes to get your credit right. Most of their prices are reasonable and some may offer a guarantee. You can look on the Internet to find repeatable companies that can get the job done as well. A word of caution, watch out for the scampers there waiting to take your money and leave you high and dry.

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James

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