“So YOU want to learn how to improve credit score fast and not get victimized by the SCAMMERS in the credit repair industry”
Using Credit Repair Services
Websites that claim that they can improve credit score or even erase it are operating outside the law and hardly ever get tangible results. This is according to the Federal Trade Commission and other agencies.
What most of the websites you see everywhere on the internet are doing is asking for upfront monies for “registration” or “setup” fees before they do any work. This illegal and the FTC has gone after around 70 credit repair companies, 20 last year in an operation they called Project Credit Despair.
Of course this is only a fraction of the companies that offer this service. According to Steve Barker of FTC who headed the project
I remember the head of our consumer protection bureau saying a few years ago [that] she had never seen a legitimate credit repair company.” Baker said. “And I don´t think we have yet”.
Credit repair companies will normally request credit reports and then send dispute letters for you. By law they can only charge a fee after they send the letters. If all they are doing to improve credit score is disputing your report as it has inaccurate information then their service will not be worth it.
How to Raise Your Credit Score
The time to start being concerned about your credit score isn’t when you are about to apply for credit. If you are trying to rent an apartment, borrow money for a car, a home or even get a credit card, your score can have a major impact on whether you can borrow, how much you can borrow and even your interest rate
The 3 Major Credit Bureaus
To improve your credit score it’s a good idea to purchase the Credit Score Report along with the free Credit File Disclosure report to get an overall picture of your credit profile. An individual can obtain his/her credit score, free of cost, from all the three credit bureaus: Experian, Equifax and TransUnion once a year.
Get Free Credit Reports From All The 3 Bureaus
To get your credit report without getting billed you need to go to annualcreditreport.com. They will never ask for your credit card. It is the only source that the three credit bureaus will give you to get your report free.
Learn about the 3 Credit Reports, what is a credit report and why your credit report information is so useful
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