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Question: Do It Yourself or Hire An Attorney?
The Fair Credit Reporting Act gives you the right to dispute any and all items on your credit reports that you feel classify as inaccurate, unverifiable, or misleading. If the bureaus can not verify that the information on your reports is indeed correct, then those items must be deleted.Disputing items on your credit report is easy. Getting results from the credit bureaus is amazingly difficult, complex, and infuriating. It is not a coincidence that the Federal Trade Commission receives more complaints against credit bureaus than any other type of business. Remember, the credit bureaus are primarily interested in protecting their profits. Investigating your challenge consumes these profits. Short of sparking a mass number of lawsuits, the credit bureaus seem to do everything in their power to discourage consumers from making progress in their restoration efforts.
Restoring your own credit is like repairing your own transmission or representing yourself a court of law; it is possible, but you must decide if you are willing to take the time and assume the risks of doing it yourself. Most people choose to allow an attorney to represent them because an attorney better understands the complexities of the legal system. If you decide your time is better spent and you would like a respectable company to help, we HIGHLY recommend using Lexington Law.
Prime, sub-prime, and shafted
Prime If your credit score is above 680, you are considered a "prime borrower" and will have no problem getting a good interest rate on your home loan, car loan, or credit card.
Sub-Prime If your credit score is below 680, you are "sub prime", and will likely pay a much higher interest rate on your loan.
Shafted Below 560 is the shafted score. At least that is how most lenders and credit issuers perceive it. You can still get a credit card but you will likely be hit with a security deposit or high acquisition fee. In addition to that your interest rate will likely be 22 to 23%. You can forget about most home loans and the majority of new car loans at this score. Below 560 is no place to be. You will pay much, much more in higher interest and unnecessary fees. You may even pay more for your insurance rates. A very low score can even prevent you from getting a job with many companies. If you're in this category Click Here.
Our Next Success Story: Is It You?
Many of our members have reported removing inaccurate, out of date, or unverifiable errors from their credit reports with the information from this website. Tell us your story.
There are three major credit bureaus - Transunion, Equifax, and Experian.
These addresses should be used to send your dispute letters to:
Transunion
PO Box 1000
Chester, PA 19022
Equifax
PO Box 740241
Atlanta, GA 30374
Experian
PO Box 2104
Allen, TX 75013
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All You Need to Do Is Lick a Stamp
My Credit Report Contained 51 Errors.
My Attorney Lexington Law
Represented Me and Helped Me
Delete Them All. Here's The Proof.
The Fair Credit Reporting Act (FCRA)
