How To Use Credit Repair Services Iowa

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