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Why is credit repair needed so badly

Our credit is important. We need it for almost anything we do that requires a purchase. Unless you deal with strictly cash and never use credit, then surely you've had issues with your credit. Dealing in credit repair can be a dirty word because its often associated with scams. There are plenty of credit repair scams on the Internet. Just Google the word and you'll find thousands and thousands of pages. Most of it is just a ploy to get you to spend money and the result is a flimsy product, usually a page or two citing the FCRA.

We knew this 13 years ago when we took our credit education online. We decided that our product would be the absolute best we could make it. With years of research using experts, we created a do it yourself credit repair product that offered everything you'd ever need to really correct your credit. And, we made it affordable. Because we can provide instant access to thousands of people at on time, we could afford to keep the cost low and pass the savings onto you. You get real education, real tools and at a real value.

You should always be careful of anyone offering to guarantee a clean credit report for you for a fee. That simply isn't true. No one can guarantee you that because they don't control the credit bureaus or furnisher of information. Those are the sources reporting your credit. What's necessary is to arm yourself with the best possible education and information and then go after the credit bureaus, collection agencies and creditors.

Yes it's true that negative and accurate information can be deleted. It's true, because often, the bureaus cannot verify the information when you hit them with everything you've got and the item is removed. This is how most credit repair is done.

Say you have a judgment listed on your credit reports. Of course it's very negative and a total credit killer. If you began questioning that item and found that either the judgment creditor did not follow all the rules or the credit bureaus, then it could be removed. The FCRA says that information must be 100% accurate but most of the time, a consumer doesn't know that they have the right to PROVE it or REMOVE it.

There are also a lot of items that don't belong in credit reports because they are either wrong, expired or obsolete. Those items can sit there for ages, if you don't take audit of your credit. A credit report should be managed just like anything else in your financial life. So, this is what we are about. We know that a good solid education in credit and collection can help thousands who are suffering from bad credit. Whether the bureaus like it or not, consumers have every right to audit their credit and fight back.

Just like the bureaus and creditors have a right to report information about how you pay your bills, you have a right to make sure ALL the data is correct. If it's not then it must be removed. Another very important component to credit repair is the FDCPA. A bill collector can violate your credit in many ways and if you don't stop them no one will. When you combine education with powerful consumers laws you can make a HUGE impact on your credit and ultimately your credit score.

Do we hate the bureaus? Not at all. But unlike many people, we know they are a FOR profit business like anyone else (not Government like many believe) and we know the type of mismanaged data that comes with who they are. Is this fair to the rest of us who are trying to make and live a good life and perhaps enjoy good credit? No.

That's why education is so important. The Federal Trade Commission receives thousands of disputes every year from people just like you who are fed up with mismanaged credit data or abusive debt collectors. We are for those people because the credit industry isn't. People don't often like to see the ugly side of the credit industry. It isn't all 0 APR's and happy home loans. There is a lot of abuse and poorly managed data in this industry.

Of course there are thousands of websites that will fix your credit for a fee but there are only a handful that will teach you what the pro's know to do the job right. You may say, 'well, the Federal trade Commission says I can do it myself". We agree. That is why we feel there is a large market for consumer credit education. The FTC is a great source of telling you what you can do but they don't tell you HOW to. Sure, they provide a little bit of literature on the actual methods but most of their information is to aid you in understanding your rights, not the depths of working on your credit, dealing will debt validations and structuring negotiated settlements. Those are all important elements to credit repair.

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The ugly side of the credit industry. This is why we all need to be educated and fight back!

Debt collector tells debtor to "just kill himself"

Debt collectors re-aging old debts through new credit card offers

CAMCO To Pay $1 Million to Settle Unfair, Deceptive Debt Collection Practices

FTC wins 10 million against deceptive debt collectors

NCO Group to Pay Largest FCRA Civil Penalty to Date

Nation's Big Three Consumer Reporting Agencies Agree To Pay $2.5 Million To Settle FTC Charges of Violating Fair Credit Reporting Act

Consumerinfo.com Settles FTC Charges for failing to disclose enrollment into offer

Equifax to Pay $250,000 to Settle Charges. FTC Alleges Blocked and Delayed Consumer Calls

Credit Reporting Agency Settles FTC Charges. Company Did Not Follow Reasonable Procedures To Assure Credit Report Accuracy

And it goes on and on. When we think credit repair, we aren't speaking of those who try and scam the system.

We are talking about the REAL need to repair your credit because it's full or erroneous or false information. If you don't correct it then you'll likely have to pay some else to.