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Credit Repair: Legal or a Scam?
Many people will advise you to steer clear of credit repair companies. Some of these companies make promises that they can't keep, and still others are just out to scam consumers. However, just like in every industry, there are upstanding professional companies that follow through with what they promise. They can help you repair your credit the right way and the legal way. While they cannot remove every negative entry on your credit report, as per guidelines set forth in the Fair Credit Reporting Act (FCRA), they can remove erroneous negative entries. These companies can also help you build good credit and ensure that positive entries are made to your credit report. This will help improve your credit score and minimize the impact of any negative entries.
It is important to note that these types of businesses are regulated by federal, state and local laws. You should choose a company that is transparent in their dealings and remains in compliance with all governing laws. Check out reviews of credit repair agencies in your area to find one that is right for you. This will ensure that you get the results you need in a timely manner.
If you need to repair your credit or increase your credit score, we can help. We have provided a list of the top ranked credit repair companies working in the United States for you to browse and find the best one help you achieve your financial goals.