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Credit Repair Education and Your Rights
The Federal Trade Commission Advice for Consumers
How can you avoid turning credit repair into credit despair? Here are a few suggestions:
- Avoid any company that wants you to pay for credit repair services before they provide any services. It is against the law.
- Avoid any credit repair company that will not tell you your legal rights and what you can do, yourself, for free.
- Avoid any credit repair company that tells you not to contact a credit reporting company directly.
- Avoid any credit repair company that advises you to dispute all of the information in your credit report.
- Avoid any company that suggests creating a 'new' credit identity - and then, a new credit report - by applying for an Employer Identification Number to use instead of your Social Security number. That is against the law. If you follow illegal advice and commit fraud, you also may be subject to prosecution. Instead, make sure you employ Vitesse Financial for legal credit score raise services.
Vitesse Financial can help repair your bad credit with our professional credit repair service. We provide assistance to people with bad credit, who are unable to qualify for loans and other credit based decisions like insurance and home applications. We work closely with our clients to repair or clear errors causing bad credit and financial history. It is very important to review your report regularly to make sure that there are not errors in the reporting and that your accounts are being reporting accurately. If you find negative errors, it is important to try to eliminate these negative items. Fixing negative errors on the report can help you to qualify for loans at lower interest rates than those with low or bad credit scores
Banks and financial companies always pull your credit report and review your fiscal history when you apply for a loan. If your credit report is marked with negative or derogatory credit history, then it will be difficult for you to qualify. Although, people with bad credit can oftentimes get loans, it is at a much higher interest rate than those with good credit. Vitesse Financial is here to help you by offering our bad credit repair service. While working with us you will be educated on credit and good credit practices, as well as provided with fast and thorough repair strategies and techniques. Whether, you have just a few late payments, or have experienced bankruptcy, foreclosures, tax liens or judgment. We will work hard to maximize your scores. With good credit you can no longer face loan qualification issues while attempting to purchase a vehicle or home, as well as applying to move into a new house or apartment or qualify for good insurance rates, etc. Moreover, you can secure your job or obtain an even better job with the use of our services, as employers now use credit as a basis for employment.
For credit report repair, our credit consultants will work with the 3 major credit bureaus on monthly basis in order to eradicate negative errors and inaccurate items. This process requires effective planning and expert strategies to achieve the credit repair goals. We are one of the leading credit repair agencies in the nation offering an invaluable credit repair service. Contact us today for a FREE, no obligation consultation and to see what we can do for you!
Call 866.407.9110 Today!
Inform Yourself, Education and Your Rights
- Why the Credit Bureaus Can't Get It Right (PDF) (Smart Money - March, 2009)
- Mistakes Do Happen: A Look at Errors in Consumer Credit Reports (PDF) (Public Interest Research Groups Study 2004)
- Credit Report Accuracy and Access to Credit (PDF) (Federal Reserve Bulletin 2004)
- Credit Score Accuracy and Implications for Consumers (PDF) (Consumer Federation of America/National Credit Reporting Association 2002)
- Colorado Credit Services Organization Act (PDF)
- Fair Credit Reporting Act (PDF)
Credit repair is legal, but some companies are not. The following fraud detection guidelines can help you steer clear of illegitimate credit repair score companies.
