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How To “Fix” Your Credit By Yourself.
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There’s nothing a credit repair service can legally do for you — even removing wrong information — that you can’t do for yourself for little or no expense. And the cost of hiring such a company can be considerable, ranging from hundreds to thousands of dollars.
What is the Credit Repair Organizations Act?
The Credit Repair Organizations Act is a federal law that became effective on April 1, 1997 in response to a number of consumers who had suffered from credit repair scams. In effect, the law ensures that credit repair service companies:
Are prohibited from taking consumers’ money until they fully complete the services they promise.
Are required to provide consumers with a written contract stating all the services to be provided as well as the terms and conditions of payment. Under the law, consumers have three days to withdraw from the contract.
Are forbidden to ask or suggest that you mislead credit reporting companies about your credit accounts or alter your identity to change your credit history.
Cannot knowingly make deceptive or false claims concerning the services they are capable of offering.
Cannot ask you to sign anything that states that you are forfeiting your rights under the Credit Repair Organizations Act. Any waiver that you sign cannot be enforced.
How to “Fix” Your Credit by Yourself
There is no quick fix for your credit. Information that is negative but accurate (such as late payments and delinquencies) will remain on your credit report for 7-10 years. However, there are steps you can take to start building a more positive credit history and improve your credit scores over time.
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