There is no shortage of credit repair advice available over the Internet or through reading books. The credit bureaus would have you believe that credit repair is a futile effort, that anyone telling you they can improve your credit is a liar. They’ll argue it is illegal and unethical, all the while selling your personal information without your expressed consent.
It is legal and ethical, even responsible, 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 repair protocol. But, unless you have plenty of time and patience, and nerves of steel, you’ll certainly find credit repair to be very confusing and frustrating.
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. And we know how to help people achieve clean credit repair as quickly as possible.
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 credit repair advice, please contact the professionals at RMCN Credit Services today so you can determine your best course of action.
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