What‘s the Federal Trade Commission’s involvement with credit repair?

The Federal Trade Commission (FTC) is responsible for enforcing consumer protection laws in the United States. In its capacity, the FTC offers a number of suggestions and warnings to consumers regarding credit repair organizations.

Is credit repair legal?

Consumers have the right to attempt credit repair on their own. Be aware of your rights! You can and should visit
the FTC’s website to keep current of the latest legislation. Simply visit www.ftc.gov to stay current on:
-The Fair Credit Reporting Act
-The Fair and Accurate Credit Transactions Act
-The Fair Credit Billing Act
-The Fair Debt Collection Practices Act

How can bad credit be legally repaired?

It is your right and responsibility to ensure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collection Practices Act (FDCPA) give you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

Can I get a new identity and start over fresh?

Some companies may advocate creating a new identity. Please beware of these practitioners and report them to the FTC. It’s not only a bad idea; it’s illegal and comes with serious consequences from hefty fines to imprisonment. Don’t be led down the wrong path!

Can I repair my credit quickly?

Credit repair takes time and diligence. Don’t be fooled by offers of quick repair! Often these claims turn out to be scams designed to take your hard earned money. Becoming an informed and educated consumer takes time. Let us show you how to get started the right way.

How do I get started?

Education is vital in order for you to be successful. At this point you have many options to consider. You can do the research yourself and spend countless hours sifting through contradictory and sometimes outdated information. Or you can hire an attorney or legal team to handle your credit matters- we don’t recommend this as many consumers overpay for results that are often times inferior to what could be accomplished on your own. Or you could save yourselves countless hours of frustration and time by letting us show you the way. The choice is easy, let’s get started today!