CREDIT REPAIR RESOURCE & SERVICES..

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Under the Fair and Accurate Credit Transactions Act (FACTA) and the Fair Credit Reporting Act (FCRA), upon request, you have the right to obtain a copy of your credit report, free, from the three nationwide consumer reporting agencies (CRAs), Equifax, Experian, and Trans Union, once every 12 months.


To obtain your free report, visit www.annualcreditreport.com
or phone 877-322-8228
Annual Credit Report Request Service,
P.O. Box 105281,
Atlanta, GA 30348-5281
lured by marketing ploys that start well before their freshman year. Nancy Cordes reports. TransUnion PO Box 1000 Chester, PA 19022 (800) 916-8800
Experian PO Box 2104 Allen, TX 75013 (888) 397-3742
Equifax PO Box 740241 Atlanta, GA 30374 (800) 685-1111

THE ONLY NEGATIVE INFORMATION that

CAN REMAIN on your credit report
is NOT what is accurate, but what the Credit

Bureaus CAN PROVE TO BE ACCURATE under theFair Credit Reporting Act. And the "burden of proof" falls on your Creditors and the Credit Bureaus and NOT you.And, anything your creditors and the Credit Bureaus CAN’T PROVE must be REMOVED from your credit reports-it’s the law!





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'Companies that promise they are able to scrub your credit reports of accurate, negative information for a fee are lying - plain and simple,' said Lydia Parnes, Director of the FTC's Bureau of Consumer Protection.

 'Under federal law, accurate, negative information can be reported for up to seven years, and some bankruptcies can be reported for up to 10 years.'

The first step is to learn what information is in your credit report. If you find errors or mistakes, federal law gives you the right to have them corrected - free of charge. Federal law requires that the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - provide you with a free copy of your credit report once every 12 months, if you ask for it. To order your free report, visit annualcreditreport.com, call 1-877-322-8228, or complete and mail the Annual Credit Report Request Form. Other credit repair information is available on the FTC's Web site, http://www.ftc.gov.


Advice for Consumers

How can you avoid turning credit repair into credit despair? Here are a few suggestions:
    Avoid any company that wants you to pay for credit repair services before they provide any services. It is against the law.
    Avoid any credit repair company that will not tell you your legal rights and what you can do, yourself, for free.
    Avoid any credit repair company that tells you not to contact a credit reporting company directly.
    Avoid any credit repair company that advises you to dispute all of the information in your credit report.
    Avoid any company that suggests creating a 'new' credit identity - and then, a new credit report - by applying for an Employer Identification Number to use instead of your Social Security number. That is against the law. If you follow illegal advice and commit fraud, you also may be subject to prosecution.
The FTC advises that only time, a conscious effort, and a personal debt repayment plan can improve your credit report.


The first step is to learn what information is in your credit report. If you find errors or mistakes, federal law gives you the right to have them corrected - free of charge. Federal law requires that the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - provide you with a free copy of your credit report once every 12 months, if you ask for it. To order your free report, visit annualcreditreport.com, call 1-877-322-8228, or complete and mail the Annual Credit Report Request Form. Other credit repair information is available on the FTC's Web site, http://www.ftc.gov.




















































































































Under the Fair and Accurate Credit Transactions Act (FACTA) and the Fair Credit Reporting Act (FCRA), upon request, you have the right to obtain a copy of your credit report, free, from the three nationwide consumer reporting agencies (CRAs), Equifax, Experian, and Trans Union, once every 12 months.
To obtain your free report, visit www.annualcreditreport.com
or phone 877-322-8228
 0. Annual Credit Report Request Service,
 0. P.O. Box 105281,
 0. Atlanta, GA 30348-5281


 TransUnion PO Box 1000 Chester, PA 19022 (800) 916-8800
Experian PO Box 2104 Allen, TX 75013 (888) 397-3742
Equifax PO Box 740241 Atlanta, GA 30374 (800) 685-1111

















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