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The American public has heard all the claims. Now get the real info on credit repair. Credit Repair can be done individually or with professional help at a discount.


​The best credit repair doesn’t always have to be from an outside source. In fact anybody can fix their credit score on their own. Interacting with subscribers to the “Mandrate” blog, it is apparent that this problem reaches all walks of life. So much so, that the “Mandrate” site has developed an affiliate relationship with in order to educate the average consumer on what rights are in place regarding credit law.  This informative page gives solid and real ways to take action against bad credit.  Below is a great example of the suggestions given by the FTC via the “Mandrate” blog, for the average person to see that it is possible to take on this daunting task.  However, if it really does seem like too much, there are some great suggestions to get a professional involved.

Rights Regarding Credit Repair
As of now it is not legal to remove accurate and timely negative information from a credit report. The law allows an individual to ask for an investigation of information in a credit report file that an individual disputes as inaccurate or incomplete. There is no charge for this. Some people hire a company to investigate on their behalf, but anything a credit repair clinic can do legally, any person can do at little or no cost. According to the Fair Credit Reporting Act (FCRA):

  • Individuals are entitled to a free report if a company takes “adverse action”, like denying an application for credit, insurance, or employment. Consumers have to ask for a report within 60 days of receiving notice of the action. The notice will give the name, address, and phone number of the consumer reporting company. Another right is being entitled to one free report a year, unemployed and plan to look for a job within 60 days; welfare; or if the report is inaccurate because of fraud, including identity theft.
  • Each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide a free copy of a credit report once every 12 months, just ask for it. The three companies have a central website, a toll-free telephone number, and a mailing address for consumers to order the free annual credit reports the government entitles them to. **

** Source: Federal Trade Commission.


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