{"id":1091,"date":"2020-10-23T16:26:40","date_gmt":"2020-10-23T16:26:40","guid":{"rendered":"https:\/\/fraud.flywheelsites.com\/?p=1091"},"modified":"2020-11-09T07:30:41","modified_gmt":"2020-11-09T07:30:41","slug":"credit-repair","status":"publish","type":"post","link":"https:\/\/fraud.org\/credit-repair\/","title":{"rendered":"Credit repair"},"content":{"rendered":"<div id=\"intro\" class=\"intro\">\n<div id=\"intro\" class=\"intro\">\n<div id=\"intro\" class=\"intro\">\n<div id=\"intro\" class=\"intro\">\n<p>Good credit is important\u2014a bad credit history can prevent you from getting a loan, housing, or a job. Promises to &#8220;fix&#8221; your credit report may be tempting, but they&#8217;re not true.<\/p>\n<\/div>\n<div class=\"row\">\n<div class=\"col-md-12\">\n<div class=\"answer-wrap panel panel-primary\">\n<h4 class=\"answer-a panel-heading\">Stay safe. Be Informed.<\/h4>\n<div class=\"answer panel-body\">\n<ul>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><strong>No one can erase negative information if it\u2019s accurate.\u00a0<\/strong>Only incorrect information can be removed. Accurate information stays on your record for 7 years from the time it\u2019s reported (10 years for bankruptcy). Even information about bills you fell behind on but now are paid will remain on your report for these time periods.<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><strong>Credit repair services can\u2019t ask for payment until they\u2019ve kept their promises.<\/strong>\u00a0Federal law also requires credit repair services to give you an explanation of your legal rights, a detailed written contract, and three days to cancel (this applies to for-profit services, not to nonprofit organizations, banks and credit unions, or the creditors themselves).<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><strong>You can correct mistakes on your credit report yourself.\u00a0<\/strong>If you were recently denied credit because of information in your credit report, you have the right to request a free copy from the major credit bureaus, regardless if your state law provides one for free as well, otherwise there is a small fee. It doesn\u2019t cost anything to question or dispute items in your report. Follow the instructions provided by the credit bureau. The major credit bureaus are:<a href=\"https:\/\/www.equifax.com\/\">Equifax<\/a>, 800-685-1111;\u00a0<a href=\"https:\/\/www.experian.com\/\">Experian<\/a>, 800-682-7654; and\u00a0<a href=\"https:\/\/www.transunion.com\/\">TransUnion<\/a>, 800-916-8800. Contact all three, as the information each has may vary.<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><strong>You can add an explanation to your report.\u00a0<\/strong>If there is a good reason why you weren\u2019t able to pay bills on time (job loss, sudden illness, etc.) or you refused to pay for something because of a legitimate dispute, give the credit bureau a short statement to include in your file.<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><strong>Know that you can\u2019t create a second credit file.\u00a0<\/strong>Fraudulent companies sometimes offer to provide consumers with different tax identification or social security numbers in order to create a new credit file. This practice, called \u201cfile segregation,\u201d is illegal, and it doesn\u2019t work.<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><strong>If you have credit problems, get counseling.\u00a0<\/strong>Your local Consumer Credit Counseling Service (CCCS) can provide advice about how to build a good credit record. The CCCS may also be able to make payment plans with your creditors if you\u2019ve fallen behind. These services are offered for free or at a very low cost. To find the nearest CCCS office, call toll-free, 800-388-2227, or go to\u00a0<a href=\"https:\/\/www.nfcc.org\/\">www.nfcc.org<\/a>.<\/p>\n<\/li>\n<\/ul>\n<p dir=\"ltr\" style=\"text-align: center;\"><a href=\"https:\/\/fraud.org\/fraud-alerts\/\"><strong><u>Find Fraud Alerts related to this scam here.<\/u><\/strong><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Good credit is important\u2014a bad credit history can prevent you from getting a loan, housing, or a job. Promises to &#8220;fix&#8221; your credit report may be tempting, but they&#8217;re not true. Stay safe. Be Informed. No one can erase negative information if it\u2019s accurate.\u00a0Only incorrect information can be removed. Accurate information stays on your record [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":894,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[124],"tags":[],"_links":{"self":[{"href":"https:\/\/fraud.org\/wp-json\/wp\/v2\/posts\/1091"}],"collection":[{"href":"https:\/\/fraud.org\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fraud.org\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fraud.org\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/fraud.org\/wp-json\/wp\/v2\/comments?post=1091"}],"version-history":[{"count":5,"href":"https:\/\/fraud.org\/wp-json\/wp\/v2\/posts\/1091\/revisions"}],"predecessor-version":[{"id":2211,"href":"https:\/\/fraud.org\/wp-json\/wp\/v2\/posts\/1091\/revisions\/2211"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fraud.org\/wp-json\/wp\/v2\/media\/894"}],"wp:attachment":[{"href":"https:\/\/fraud.org\/wp-json\/wp\/v2\/media?parent=1091"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fraud.org\/wp-json\/wp\/v2\/categories?post=1091"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fraud.org\/wp-json\/wp\/v2\/tags?post=1091"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}