http://getoutofdebt.org/16429/inside-information-on-credit-reports-and-credit-scores Free debt help and debt advice on how to get out of debt, getting out of debt consolidation scams, and inside information on the debt relief and debt help industry. Fri, 25 May 2012 02:12:00 +0000 hourly 1 http://wordpress.org/?v=3.3.2 http://getoutofdebt.org/16429/inside-information-on-credit-reports-and-credit-scores#comment-36113 Daniel Sat, 09 Jul 2011 18:56:33 +0000 http://getoutofdebt.org/?p=16429#comment-36113 Credit repair is not illegal.  The act of charging fees before the contracted service is fully rendered is illegal.  Most companies can't offer a guarantee that an item will be removed.  Credit service organizations (credit repair companies) are not allowed to dispute information if it is, or should be, known to them as being accurate and/or timely.  The problem in the credit repair industry, from the prespective of the CSO, is that clients lie about what is and isn't inaccurate, and then piss and moan when their "inaccurate" accurate information isn't removed, or they get a threatening letter from the credit bureau.  The only thing that can fix your credit report is time, timely payments, paying down debt, removing actual inaccurate information. Credit repair is not illegal.  The act of charging fees before the contracted service is fully rendered is illegal.  Most companies can’t offer a guarantee that an item will be removed.  Credit service organizations (credit repair companies) are not allowed to dispute information if it is, or should be, known to them as being accurate and/or timely.  The problem in the credit repair industry, from the prespective of the CSO, is that clients lie about what is and isn’t inaccurate, and then piss and moan when their “inaccurate” accurate information isn’t removed, or they get a threatening letter from the credit bureau.  The only thing that can fix your credit report is time, timely payments, paying down debt, removing actual inaccurate information.

]]> http://getoutofdebt.org/16429/inside-information-on-credit-reports-and-credit-scores#comment-88049 Daniel Sat, 09 Jul 2011 18:56:00 +0000 http://getoutofdebt.org/?p=16429#comment-88049 Credit repair is not illegal.  The act of charging fees before the contracted service is fully rendered is illegal.  Most companies can't offer a guarantee that an item will be removed.  Credit service organizations (credit repair companies) are not allowed to dispute information if it is, or should be, known to them as being accurate and/or timely.  The problem in the credit repair industry, from the prespective of the CSO, is that clients lie about what is and isn't inaccurate, and then piss and moan when their "inaccurate" accurate information isn't removed, or they get a threatening letter from the credit bureau.  The only thing that can fix your credit report is time, timely payments, paying down debt, removing actual inaccurate information.  Credit repair is not illegal.  The act of charging fees before the contracted service is fully rendered is illegal.  Most companies can’t offer a guarantee that an item will be removed.  Credit service organizations (credit repair companies) are not allowed to dispute information if it is, or should be, known to them as being accurate and/or timely.  The problem in the credit repair industry, from the prespective of the CSO, is that clients lie about what is and isn’t inaccurate, and then piss and moan when their “inaccurate” accurate information isn’t removed, or they get a threatening letter from the credit bureau.  The only thing that can fix your credit report is time, timely payments, paying down debt, removing actual inaccurate information. 

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]]> http://getoutofdebt.org/16429/inside-information-on-credit-reports-and-credit-scores#comment-28160 ComplianceSlave Tue, 09 Nov 2010 15:12:15 +0000 http://getoutofdebt.org/?p=16429#comment-28160 They're a "Credit Repair" Law Group in Davie FL.... My experience is there is limited success in credit repair. Most fixes are temporary & most attempts are futile. Steve has excellent advice on fixing your own credit. I dont have the link... Look on the Home page. <br>I believe that a law group will likely charge you up front with no guarantee. The FTC states that credit repair is illegal if fees are charged up front, however, lawyers are not typically included.<br>You'll be rolling the dice. They’re a “Credit Repair” Law Group in Davie FL…. My experience is there is limited success in credit repair. Most fixes are temporary & most attempts are futile. Steve has excellent advice on fixing your own credit. I dont have the link… Look on the Home page.
I believe that a law group will likely charge you up front with no guarantee. The FTC states that credit repair is illegal if fees are charged up front, however, lawyers are not typically included.
You’ll be rolling the dice.

]]> http://getoutofdebt.org/16429/inside-information-on-credit-reports-and-credit-scores#comment-80452 ComplianceSlave Tue, 09 Nov 2010 15:12:00 +0000 http://getoutofdebt.org/?p=16429#comment-80452 They're a "Credit Repair" Law Group in Davie FL.... My experience is there is limited success in credit repair. Most fixes are temporary & most attempts are futile. Steve has excellent advice on fixing your own credit. I dont have the link... Look on the Home page. I believe that a law group will likely charge you up front with no guarantee. The FTC states that credit repair is illegal if fees are charged up front, however, lawyers are not typically included. You'll be rolling the dice. They’re a “Credit Repair” Law Group in Davie FL…. My experience is there is limited success in credit repair. Most fixes are temporary & most attempts are futile. Steve has excellent advice on fixing your own credit. I dont have the link… Look on the Home page.
I believe that a law group will likely charge you up front with no guarantee. The FTC states that credit repair is illegal if fees are charged up front, however, lawyers are not typically included.
You’ll be rolling the dice.

]]> http://getoutofdebt.org/16429/inside-information-on-credit-reports-and-credit-scores#comment-28158 Steve Rhode Tue, 09 Nov 2010 14:46:05 +0000 http://getoutofdebt.org/?p=16429#comment-28158 For what? For what?

]]> http://getoutofdebt.org/16429/inside-information-on-credit-reports-and-credit-scores#comment-80450 Steve Rhode Tue, 09 Nov 2010 14:46:00 +0000 http://getoutofdebt.org/?p=16429#comment-80450 For what? For what?

]]> http://getoutofdebt.org/16429/inside-information-on-credit-reports-and-credit-scores#comment-28155 FDEFIORE Tue, 09 Nov 2010 14:35:02 +0000 http://getoutofdebt.org/?p=16429#comment-28155 IS LEXINGTON LAW A GOOD COMPANY IS LEXINGTON LAW A GOOD COMPANY

]]> http://getoutofdebt.org/16429/inside-information-on-credit-reports-and-credit-scores#comment-80447 FDEFIORE Tue, 09 Nov 2010 14:35:00 +0000 http://getoutofdebt.org/?p=16429#comment-80447 IS LEXINGTON LAW A GOOD COMPANY IS LEXINGTON LAW A GOOD COMPANY

]]> http://getoutofdebt.org/16429/inside-information-on-credit-reports-and-credit-scores#comment-20155 John Tue, 09 Mar 2010 22:30:55 +0000 http://getoutofdebt.org/?p=16429#comment-20155 I need a real expert on the fair isaac model and credit reporting so that I may speak to them All the information on the net is rehashed and does not address the nuts and bolts of the system. I am in mortgage finance and have raised many peoples scores. I just did a rapid rescore that was supposed tho raise my clients scores 11 points and I lost 1. If you can someones name that would be great. I need a real expert on the fair isaac model and credit reporting so that I may speak to them All the information on the net is rehashed and does not address the nuts and bolts of the system. I am in mortgage finance and have raised many peoples scores. I just did a rapid rescore that was supposed tho raise my clients scores 11 points and I lost 1. If you can someones name that would be great.

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