How To Use Credit Repair Services Alabama

If you are struggling to repair bad credit, read the following article. In the following article, you'll learn helpful advice for finding credit repair services.

Local Companies

Consumer Credit Counseling
(256) 208-0732
9 Rotary St
Montgomery, AL
Consumer Credit Counseling
(334) 240-6517
702 N Union Cir
Montgomery, AL
Montgomery Credit Card Debt Consolidation
(334) 239-0990
135 Catoma St
Montgomery, AL
Colbert Ball Tax Service
(334) 819-7991
4017 Norman Bridge Rd
Montgomery, AL
The Perfect Choice
(334) 356-2303
215 Winton M Blount Loop
Montgomery, AL
Weston T David LLC
(334) 265-4477
7515 Halcyon Pointe Dr
Montgomery, AL
Consumer Credit Counseling
(251) 580-2464
Bay Minette
Bay Minette, AL
Consumer Credit Counseling
(334) 264-7093
Montgomery, AL
Consumer Credit Counseling
(256) 773-1852
Hartselle, AL
Consumer Credit Counseling
(251) 296-1445
Atmore
Flomaton, AL

Credit repair services make confusing claims. They claim to be able to repair "bad" credit, leaving you with the impression that if your credit is legitimately bad, they can erase the bad data on your report. Many people with poor credit ratings buy into their claims, hoping to be able to increase their credit score in order to improve their chances of getting a loan, credit card or other form of credit. However, what they find out is that any credit repair service that promises to erase legitimate bad credit is either lying or engaging in illegal activity.

If you are considering using a credit repair service, there are several things you need to do and consider.
  1. Get a copy of your credit report from the three major credit reporting companies - Experian, TransUnion, and Equifax. These three agencies have set up a website that allows consumers to get a free copy of their credit report once every twelve months. To get your free report, go here.

  2. Carefully review your credit report to see where there is any inaccurate information. If you have a dispute with any of the charges on your report, you may want to consider calling a credit repair service.

  3. Before choosing a credit repair service, you should be familiar with The Credit Repair Organizations Act. This act was designed to protect consumers from credit repair services that take their money and give them little or nothing in return.

    A credit repair service is legally required to give you a booklet called "Consumer Credit File Rights under State and Federal Law" that explains the act.

    Some of the act's provisions state that a credit repair company cannot: charge for any services until they have been completed in full; provide any services until a contract has been signed, you have been given the booklet that explains your rights, and a three day waiting period passes; make any claims that are untrue.

    ...

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Author: Robin Shreeves

Featured Local Company

Consumer Credit Counseling

(256) 208-0732
9 Rotary St
Montgomery, AL

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Related Articles
- Eliminating Erroneous Information from Credit Report Alabama
Credit repair services have counselors that are trained and experienced in credit repair and have the resources at hand that are not available to a typical consumer. If you try to repair your credit by yourself it can be frustrating and unproductive.
- Credit Repair Made Easy Alabama
- Repairing Your Credit Alabama
- Credit Report Score Alabama
- Don't Use a Credit Repair Clinic Alabama
- Legally Clearing Credit Alabama
- Repairing Your Credit Alabama
- How To Repair Your Credit Report Alabama
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Related Local Event
WBCNA Business Counseling
Dates: 11/18/2009 - 11/18/2009
Location: Chamber Boardroom
Athens, AL
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