There is no shortage of credit repair information available over the Internet or through reading books. Much of it is misinformation.
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 scam artist. They’ll argue it is 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. This is generally a long term project for the well trained.
If you don’t have time, or don’t know where to start, contact RMCN Credit Services for credit repair information and 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.
Armed with good credit repair information, you can determine your best course of action. Contact the professionals at RMCN Credit Services today.
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