Legal Credit Repair Methods

If you are anything like me, legal issues when it comes to credit repair are way over my head. After being in debt for years, I decided to do a great deal of research on what is legal and what is not and here are some answers I found. The advise I am sharing with you below could be of great help to you to get you on the right track when it comes to repairing your credit.To better understand what legal credit repair is, it would be helpful to understand a few types of illegal credit repair:Illegal:Changing your social security number to obtain a clean bill of credit. If any company should suggest this type of credit repair, report them to the authorities.Illegal:Disputing every item on your credit report, regardless of nature. The Fair Credit Reporting Act specifically states that only items that are unverifiable, inaccurate or misleading should be disputed. Items that are clearly yours, and reflect your credit history should not be disputed.Illegal:Charging for services that have not yet been completed. This is to protect the consumer from fraudulent companies that charge for services that never get completed (charging to “repair your credit”, then hitting […]

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