Your Credit Rights
The Fair Credit Reporting Act (FCRA) plays a major role in the credit repair process. FCRA laws protect consumers, governing credit bureaus and furnishers like creditors and financial institutions. Some laws from FCRA include:
- Credit bureaus are required to provide one free credit every 12 months.
- Credit bureaus are required to verify the accuracy of the information listed on the report.
- Creditors and financial institutions are required to only report complete and accurate consumer information.
- Consumers can challenge incorrect and incomplete items listed on a credit report.
- Consumers can seek damages from credit bureaus and furnishers violating the FCRA.
- Consumers can limit who can access their credit reports.
- Consumers can inquire if their credit report is being used against them financially.
The 3-Step Process
RESEARCH
We will review and check for errors or outdated information, as these can unjustly hurt your credit.
RESOLVE
Challenge inaccuracies with the bureaus and creditors if they cannot verify them, by law they should be removed.
RESTORATION
Consistency managing your credit matters. Over time, these practices will enhance your credit score and overall financial health and can even open doors to more revenue.