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tods5eshoes · Wysłany: Śro 9:33, 16 Mar 2011 Temat postu: birkenstock Arizona Sandal 5752

Credit Repair Services - Useful Tips
The issue you should first look out for when in need of good credit repair services is the affiliations of the agency you're evaluating. All ethical credit repair businesses will willingly share with you their references on request. These are some important issues that you should keep in mind to protect yourself from fraudulent credit repair companies.
1. The agency you're considering should have membership in the Ethical Credit Repair Alliance (ECRA) or a similar regulatory organization. It is commonly advised to do business with those companies who are members of the Better Business Bureau. When you're seaching good credit repair organizations, the companies who are ECRA members are an excellent choice.
This body has its own stringent codes of conduct and any business that gets their approval will definitely give you their best services. The members of this organization are required to maintain the highest ethical standards in dealing with their clients. This serves as protection against being "taken" by a crooked agency.
2. Before looking for help, educate yourself as to what credit repair is all about. The majority of people who get scammed when seeking credit help, have no knowledge of credit repair and what it entails. You must be aware of what can and cannot be done by these services.
You can identify agencies who offer false promises only when you clearly understand this difference. For instance nobody is able to delete derogatory items if those items can be verified. There will always be credit companies who promise you clear credit in the space of a month or sooner. Think carefully; is this legally possible? If not - and it clearly is not - would you still be willing to use illegal means?
3. Avoid unsolicited offers you receive through email. Don't think that fate has sent you this offer in your time of need. These are fraudulent companies who obtain your email address through various unethical methods,[link widoczny dla zalogowanych], and are sending out millions of spam emails in the hope that they will "catch" some needy soul whom they can milk dry!
Beware of such emails. In 99. 9 percent of the time these are scammers hoping to ensnare their next victim. Upstanding credit repair agencies will send you their promotional materials only if you have requested them.
4. It is illegal to create a "new identity". " This is, unfortunately, a trap that a lot of people fall for, because it seems like the "magic formula" to ending their financial difficulties. This belief is due primarily to a lack of knowledge about credit repair. However,[link widoczny dla zalogowanych], this practice - called "File segregation" - is illegal!
Your credit score is a reflection of your entire financial history up to the present time. How is it possible to acquire a "new" credit history? And if you do, would you not have some questions about legality? Isn't it very clear that companies offering these kinds of solutions are not to be trusted?
5. If total payment is asked for before any services have been rendered, this is a warning sign. " By law, a credit repair agency must provide you a contract in writing, and can only charge after services have been rendered. In addition you have the right to cancel within three days.
There are agencies that do charge an initial fee for a credit analysis, and thereafter charge monthly fees as they continue the job of following up with disputes regarding erroneous information in your credit report. However, if any agency requires that you pay all of your fees upfront, the odds are they are afraid you will refuse to pay once you've discovered they cannot deliver on their promises. These agencies are corrupt and you must steer clear of them!
6. The process of credit repair is time-consuming. As discussed before, a credit company cannot repair your credit overnight by any legal means, nor remove anything in your credit history if it is verified by the credit bureaus.
Best case scenario: it will take about two, maybe three months to solve the less serious issues, by having inaccurate information deleted from your credit report, and by changing your financial habits by consistently paying bills and debts in a timely manner. More significant items ( for example, repossessions, foreclosures etc. ) well, even given the very best financial management, remain on the report for seven years. Bankruptcies will stay on the report for 10 years. "Guarantees" that these can be removed overnight indicate fraud.
7. No contract, no pay! A lot of people could avoid being defrauded if they were to insist that there be a contract in writing; and you have this right by law. Fraudulent companies prefer there to be no contract, and if there is one you can expect that information (such as the fees etc. ) will be incomplete. You can learn a lot about these agencies by looking at their contract. If for some reason a contract is not presented, continue your search for a reputable company.
8. If guarantees are offered,[link widoczny dla zalogowanych], look out! Even the most experienced credit repair company cannot guarantee results in this business. They can assure you - after they study your report - that they will work diligently and use every possible means to improve your credit, provided those means are legal. But in the business of credit repair results can never be guaranteed.
Unfortunately, it's the nature of people to be attracted to the company that tells them what they prefer to hear, and hire them rather than a company who is being truthful. Do not fall into this trap! Even though you may prefer to be told that positive results are guaranteed, any company that does guarantee such results is not trustworthy.
9. Look for counseling services. A good many credit agencies provide counseling for free.
If the agency you're considering doesn't, dig a bit deeper. It could be a scam company. A good and trustworthy company will encourage its clients to become knowledgeable about credit repair. The services they offer are regarding those issues that require continued and painstaking follow-up to make sure the mistakes on your credit report have all been removed.
10. Wrong advice is a red flag! Some agencies will tell you to dispute every derogatory account on your report by saying "this account is not mine. " Although the results may be a higher credit score right now,[link widoczny dla zalogowanych], the creditor whose loan had been disputed may counter it at a later date, and the bureau will subsequently investigate and verify it.
Considering that the credit bureaus do such a terrible job of keeping accurate records, the odds are great that there are going to be mistakes concerning the details of any one trade line. But if a credit agency tells you to proclaim "this account is not mine" even though you know that it is, do not trust that agency.
As we've show, there are an abundance of warning signs to alert you to possible scams. Prior to seeking help from a credit repair company, you should educate yourself in matters pertaining to credit, including learning the meaning of the terms "credit report" and "credit score". You should also know something about the laws that relate to credit repair before seeking help. A good start is to check out the FTC Bureau of Consumer Protection and the Ethical Credit Repair Alliance.
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