Dear Friend,

Here's a Staggering Statistic; A study released by the U.S. Public Interest Research Group in June 2004 found that "79% of the consumer credit reports surveyed contained some kind of error or mistake".

As a result, many consumers are wrongly denied credit and are paying much higher interest rates than they should be.

YOUR RIGHTS AND THE FAIR CREDIT REPORTING ACT

The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." When a consumer files a dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record.
If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing.

BEWARE OF CREDIT REPAIR SPECIALIST
ASKING FOR UP FRONT FEES

According to the Federal Trade Commission, many Credit Repair Specialists promise, for a fee, to clean up your credit report so you can get a car loan, a home mortgage, insurance, or even a job. After you pay them hundreds or thousands of dollars in fees, many of these companies do nothing to improve your credit report and simply vanish with your money. Under the Credit Repair Organizations Act, "credit repair companies cannot require you to pay until they have completed the services they have promised" (per the FTC).

The FTC states; "Self Help May Be Best"

TAKE CHARGE OF YOUR CREDIT

You don't have to pay hundreds or thousands of dollars to Credit Repair Agencies and Law Firms. Our Special Report; "How to Erase Bad Credit, Legally" contains all the information you need to Remove Negative Listings from your Credit Report.

In this report we explain step-by-step how to Legally Repair Your Credit and how to Improve Your Credit Rating. We show you the same methods used by the experts. We also show you how to Wipe Out Debts Without Bankruptcy, using a little-known proviso of a 1938 law.

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