No matter the circumstances that led to your bad credit history, it can be improved through diligent credit history clean-up or repair. You can escape the trappings of bad credit. It is legal and ethical to remove unfairly reported listings from your credit report. The Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA) and Fair and Accurate Credit Transactions Act (FACTA) allow you to investigate and challenge questionable items on your credit report. You, the consumer, can dispute on your own provided you know the credit clean-up protocol.
If you don’t have time, or don’t know where to start, contact RMCN Credit Services for assistance. We know the laws inside-and-out and can get your inaccuracies, as well as certain other items, removed. By law, the credit bureaus must provide adequate proof of their records or remove disputed items. We hold the credit bureaus legally responsible for what they list on your credit report, thereby improving your credit score.
Over time, with responsible money management, you can further improve your credit score. It is important to analyze if any accounts should be paid and/or closed, which accounts should show some activity, if you would benefit from increased credit limits, etc.
If you need clean credit, contact the professionals at RMCN Credit Services by completing the above form, so you can determine your best course of action.
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