FREE Credit Repair, is it possible?
You are Free to Help Yourself
Credit Repair CAN be Free
If you want to take the time to learn and follow the process then your credit can be repaired for free.
The FTC ’s Bureau of Consumer Protection
The Bureau of Consumer Protection works to protect consumers against unfair, deceptive, or fraudulent practices in the marketplace. The Bureau conducts investigations, sues companies and people who violate the law, develops rules to protect consumers, and educates consumers and businesses about their rights and responsibilities. The Bureau also collects complaints about consumer fraud and identity theft and makes them available to law enforcement agencies across the country.
How to get Free Credit Repair
We care about the people and want everyone to have good credit. We are a credit repair company and can help you for a price, but we only do what you can do for yourself. For busy people.
Think of us as a “Jiffy Lube” for your credit repair; most anyone can change the oil in their car, but still have someone else do it because you are too busy or don’t want to get dirty.
If you follow the steps below you can be on your way to cleaning your credit report for FREE.
Know your Rights
There are laws to protect you against the credit bureaus and credit repair companies. The first step is learn these laws.
Order your Credit Reports
According to the Fair Credit Reporting Act (FCRA):
You’re entitled to a free report if a company takes “adverse action” against you, like denying your application for credit, insurance, or employment. You have to ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.
Help Yourself
Once you receive your credit reports review them diligently. Check for any errors and then head over to the How to Help Yourself article at ftc.gov.
With a little bit of your time and patience you can clean your credit for free!
Photo Source: http://www.flickr.com/photos/laffy4k/ / CC BY 2.0
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