We are Noticing You of Your Rights

IF YOU HAVE A CREDIT PROBLEM, KEEP THIS IN MIND:

1. Accurate negative credit information cannot be erased. If a credit repair company tells you that it will be able to remove negative information from your credit report, they are not telling you the truth. If you have a poor credit history, the only thing that will improve your credit report is time. We will also give you a legal credit building plan.

2. It is illegal to hide bad credit. Some credit repair companies will say they can "hide" bad credit by helping you establish a new credit identity. They will offer to create a new credit file for you with a fake Social Security Number. Don't do it! This is fraud and it is a crime.

3. You can rebuild your own credit record. Contact your creditors when you realize you cannot make scheduled payments. If you need help working out a payment plan and a budget, contact your local credit counseling service. Before using a local credit counseling service, find out if the counselors are certified, how much the services cost and if the agency is accredited. Also, check with your employer credit union or housing authority for no-cost credit counseling programs.

If you decide to seek assistance from a credit repair company, you are protected under the Federal Credit Repair Organizations Act.

• Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised. We give you a written guarantee on what we can change and what we can not change. Our Up-Front Fee is only for the Paralegal and Postage Fees. Once your service has been met per the agreement you pay the balance from the escrow account.

• Before you sign a contract, the credit repair company must tell you, in writing, what your legal rights are.

• A credit repair company must give you a written contract which clearly describes all of the terms and conditions of payment, a detailed description of services to be provided and an estimate of how long it will take to complete these services.

• You have three days to cancel the contract between you and the credit repair company.

• Credit repair companies are prohibited from making deceptive claims about their services.

Since millions of credit reports are sold daily, it is easy for some information to be incorrect. You should review your credit report on a regular basis and correct mistakes immediately. If you want to know about your credit, contact the three bureaus cited below:

Equifax: 800-685-1111

www.equifax.com

Experian: 888-397-3742

www.experian.com

Trans Union: 800-888-4213

www.transunion.com

If you find a problem, the credit bureau has 30 business days to investigate and must inform you of its findings within 10 days of concluding its investigation.

Under the Fair Credit Reporting Act, consumers are entitled to a free credit report annually. Federal law now also provides consumers with a toll-free number and Web site to obtain a free credit report from all three national credit agencies by making one contact:

Annual Credit Report Request Service

P.O. Box 105281

Atlanta, Georgia 30348-5281

www.AnnualCreditReport.com

877-322-8228

Call Now for Credit Repair Help  (800) 839-4109 Ext 375

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Credit Repair Credit Score Letters Dispute Credit Report in Alaska Alaska AK Juneau Arizona Ariz. AZ Phoenix Arkansas Ark. AR Little Rock California Calif. CA Sacramento Colorado Colo. CO Denver Connecticut Conn. CT Hartford Delaware Del. DE Dover Florida Fla. FL Tallahassee Georgia Ga. GA Atlanta Hawaii Hawaii HI Honolulu Idaho Idaho ID Boise Illinois Ill. IL Springfield Indiana Ind. IN Indianapolis Iowa Iowa IA Des Moines Kansas Kans. KS Topeka Kentucky Ky. KY Frankfort Louisiana La. LA Baton Rouge Maine Maine ME Augusta Maryland Md. MD Annapolis Massachusetts Mass. MA Boston Michigan Mich. MI Lansing Minnesota Minn. MN St. Paul Mississippi Miss. MS Jackson Missouri Mo. MO Jefferson City Montana Mont. MT Helena Nebraska Nebr. NE Lincoln Nevada Nev. NV Carson City New Hampshire N.H. NH Concord New Jersey N.J. NJ Trenton New Mexico N.M. NM Santa Fe New York N.Y. NY Albany North Carolina N.C. NC Raleigh North Dakota N.D. ND Bismarck Ohio Ohio OH Columbus Oklahoma Okla. OK Oklahoma City Oregon Ore. OR Salem Pennsylvania Pa. PA Harrisburg Rhode Island R.I. RI Providence South Carolina S.C. SC Columbia South Dakota S.D. SD Pierre Tennessee Tenn. TN Nashville Texas Tex. TX Austin Utah Utah UT Salt Lake City Vermont Vt. VT Montpelier Virginia Va. VA Richmond Washington Wash. WA Olympia West Virginia W.Va. WV Charleston Wisconsin Wis. WI Madison Wyoming Wyo. WY Cheyenne

(800) 839-4109 Ext 375

What do we do?

We will at no cost to you review your credit report. We will then give you an agreement in writing informing you of the items we can address.

• Delete

• Correct

• Dispute and possibly remove / change

• Dispute but most likely will remain.

HONESTY -We will put in writing the results to expect. If your results are not what we promise, you will be refunded or not charged for our service.

When you use another Credit Repair Company you have no idea if they actually filed the disputes.

We prepare your entire Credit Dispute file; send it to you so you can review it, you double check our work then you personally mail it in Pre-Paid Postage Priority Envelopes with Receipt of Delivery ready to go upon your approval to the credit report bureaus!

That's right! We are so sure of our credit repair work we include the entire packet together with a list of items we guarantee will be removed or updated and what to expect. Not to mention we also give you the entire file on a CD-Rom for your records.

Credit Repair can make things a lot easier on you. Repairing bad credit is not easy, but you should repair your credit if you want to get back on your feet again. Our experience comes from dealing with the Courts and Credit Reporting Agencies on a daily basis as we search accuracy for judgments, liens, charge-offs, creditors etc. In the same way we use this information to collect money we use this experience to correct and improve your credit report.

Do not accept False Promises - If you decide to use a credit repair company ask what results they expect for you and get it in writing!


File Segregation:
New ID Is a Bad Idea
If you have filed for bankruptcy, you may be the target of a credit repair scheme called “file segregation.” In this scheme, you are promised a chance to hide unfavorable credit information by establishing a new credit identity. That may sound perfect, especially if you’re afraid that you won’t get any credit as long as bankruptcy appears on your credit record.

The problem: “File segregation” is illegal. If you use it, you could face fines or even a prison sentence.

The Truth

No one can legally remove accurate and timely negative information from a credit report. The law, does however allow consumers to request an investigation or reinvestigation of the facts and information in your credit file that you dispute as inaccurate or incomplete. There is no charge for this investigation.

Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost.

Reporting Negative Information

  • Bankruptcy information can be reported for up to ten years.
  • Information reported because of an application for a job with a salary of more than $20,000 has no time limit.
  • Information reported because of an application for more than $50,000 worth of credit line or life insurance has no time limitation
  • Default information concerning a US Government insured or guaranteed loan can be reported for seven years after certain guarantor actions
  • Information concerning a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer


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