| Many companies are selling credit repair secrets, credit | | | | consumer credit issues in general. The FTC provides |
| repair "kits" and other information about credit issues. | | | | all kinds of consumer information at their website. You |
| They are able to sell this information, because | | | | can even link directly to the free credit report website |
| everyone wants good credit, many people have bad | | | | from theirs. They included this link, because there are |
| credit and most people do not know where to go for | | | | many internet companies which have altered the URL |
| information or who to contact if they need help. | | | | address slightly and a consumer could unknowingly end |
| One of the credit repair secrets that companies are | | | | up at the wrong site, end up paying for useless |
| selling is information about obtaining your credit report. | | | | information and not end up with their actual credit |
| You are entitled to a yearly free copy of your credit | | | | report. The FTC also offers a very long and detailed |
| report. Each of the three major credit bureaus | | | | booklet for victims of identity theft and/or credit fraud. |
| accumulates information about you and your | | | | Attempting to repair credit issues after identity theft is |
| "creditworthiness". If you want to attempt to repair | | | | particularly frustrating. |
| credit issues, obtaining your credit report is the first | | | | You can pay for information that companies call "credit |
| step. Even if you have excellent credit, it is a good idea | | | | repair secrets". This information may be useful if you |
| to review the information on your credit reports on a | | | | are attempting to repair credit issues on your own. |
| regular basis. A recent law has made it easier. You | | | | You can find most of this information yourself, if you |
| can view and print copies of your credit reports at | | | | are willing to do a little research. There are many |
| Credit repair "secrets" are not really secrets, they are | | | | companies which offer credit repair services. The FTC |
| just sometimes not well known. | | | | advises that consumers should beware of any |
| There are many things that can negatively affect your | | | | company which claims that they can repair credit |
| credit score; late payments, multiple inquiries, charged | | | | problems in a very short period of time. The |
| off accounts, judgments, liens, bankruptcies, identity | | | | suggestions made by some of these companies are |
| theft, etc. In order to repair credit scores, negative | | | | actually illegal. Credit bureaus have thirty days to |
| information must be removed from the credit report. | | | | investigate any disputed information, so attempts to |
| Companies which sell credit repair secrets will probably | | | | repair credit problems of any kind which involve |
| provide you with sample copies of letters to send to | | | | inaccurate information on your credit report will take at |
| the various credit bureaus and possibly the addresses | | | | least 30-45 days. If you do decide to get help from a |
| of the credit bureaus. This is information that is also | | | | credit repair specialist, it is advisable to choose one |
| included in most credit repair "kits". | | | | that is associated with a law firm. That way you can |
| A good source for free information that may help you | | | | be sure that their recommendations are legal. |
| repair credit issues is the Federal Trade Commission | | | | For more free credit repair secrets, visit the Credit |
| (FTC). That may not seem logical. One may wonder | | | | Repair Blog. |
| what the FTC has to do with credit repair secrets or | | | | |