REPAIRING CREDIT YOURSELF IS LIKE REPRESENTING YOURSELF IN A COURT OF LAW.  WHY GIVE THE OTHER SIDE AN UNFAIR ADVANTAGE?

The Fair Credit Reporting Act gives you the right to dispute and all items on your credit reports that you feel classify as inaccurate, unverifiable, or misleading. If the bureaus cannot verify that the information on your reports is indeed correct, then those items must be deleted. MLG

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.

CREDIT ERRORS & BLEMISHES

It is particularly unfair when consumers are charged high interest rates because of incorrect information on their credit reports. According to a recent study by the consumer advocacy group U.S. Public Interest Research Group (U.S. PIRG), over 3 out of 4 credit reports have errors, 25 percent of which are serious enough to potentially result in a credit denial. To make it worse, more than half of the examined reports had information that was either outdated or belonged to someone else.

However, you don't have to live with these errors. The consumer is given the explicit right to dispute illegitimate items found on a credit report under the Fair Credit Reporting Act (FCRA or 15 USC § 1681). This statute gives consumers the substantive right to dispute inaccurate, obsolete or unverifiable items on their credit reports. However, contacting all three major credit bureaus and dealing with the hassles, corporate "red tape" and follow-through involved can be frustrating and time-consuming. For many consumers, hiring an experienced credit report repair firm like THE MITIGATION LAW GROUP is a wise solution.

As in other financial service industries, there are inexperienced and even dishonest people and companies working in the field of credit report repair. Before choosing a credit repair expert, it is important to know who you are dealing with. Be sure to do your research before making a decision so that you can be sure you're dealing with a reputable firm.

Link: http://www.hopeforcredit.com/ordering