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How To Use Credit Repair Services Illinois

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 Services
(312) 443-1326
70 E Lake St
Chicago, IL

Heartland Financial Services LLC
(312) 920-9313
180 N Michigan Ave
Chicago, IL

Metro Group
(312) 628-1447
35 E Wacker Dr
Chicago, IL

Counseling and Family Services
(309) 676-2400
330 SW Washington Street
Peoria, IL

Central Illinois Debt Management and Credit Education, Inc.
(309) 676-2941
719 Main St
Peoria, IL

Family Credit Management
(800) 919-7985
124 SW Adams Street
Peoria, IL

Teen Challenge Peoria, Illinois
(309) 673-3716
311 S. Olive
Peoria, IL

Mindock Counseling and Consulting
(309) 696-4697
3100 N. Dries Lane
Peoria, IL

KCB Information Services
(309) 353-5527
11 N. 6th Street
Peoria, IL

Human Service Center-White Oaks
(309) 671-8000
P.O. Box 1346
Peoria, IL

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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.

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.
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.
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 Services

(312) 443-1326
70 E Lake St
Chicago, IL

Read more about How To Use Credit Repair Services

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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.

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Regional Articles

- Repairing Your Credit Illinois

It’s said that over half of all Americans could improve their credit report, if they did a few simple things. If you’re concerned about your score, try these tips for credit repair.

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- Credit Report Score Illinois
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Advertising	Family	Home Services	Real Estate Resources
Business Services	Fashion	Industrial Goods & Services	Retail & Consumer Services
Career	Financial Services	Insurance	Software
Cars	Food & Beverage	Internet	Technology
Computer Hardware	Franchise	Legal	Telecommunications
Construction	Health	Miscellaneous	Trade Shows
Education	Holidays	Nightlife	Travel
Entertainment	Home Appliances	Online Database	Weddings
Environmental	Home Electronics	Pets	World History