How fast is fast? According to a recent poll performed by the Associated Press, Americans do not like to wait for anything. According to the Federal Trade Commission, the consumer should beware of any credit report repair services which offer fast credit repair. Most credit report repair services offer to assist individuals in getting certain information removed from the files maintained at the various credit bureaus. Consumers are allowed to dispute information that they believe is inaccurate. The credit bureaus are allowed to take 30 days to investigate. Ideally fast credit repair would take at least 30 days plus the amount of time it takes to send the letter and get a corrected report. So, credit report repair services which advertise that they may be able to improve your credit score in less than 30 days may prove to be disappointing. Americans distaste for waiting is what created the interest in credit report repair services in the first place. People who are patient would simply wait for negative items to be removed from their credit reports. But, anyone who cannot wait in line for 15 minutes without becoming angry is not going to be happy waiting five to seven years for an item to be removed from their credit history. So, anyone with a less than perfect credit score seeks fast credit repair. No credit report repair services can guarantee results in a specific amount of time. No reputable credit report repair services make such claims. If they have been in business for quite some time, they may be able to provide examples of what they have been able to accomplish for other people. But, this does not mean that individual results do not vary. No company can honestly promise fast credit repair to everyone. According to the Federal Trade Commission, credit report repair takes time and patience. This is true if all the information included on your credit report is correct. A quick look at your credit reports will help you determine if any of the credit report repair services can help you. If credit report repair services suggest file segregation, changing social security numbers, using or changing employer idea numbers, then you have selected fast credit repair that is illegal. Legal credit report repair services simply correct information, at your request, that is misleading, inaccurate, unverifiable or incorrect. Making false statements on a credit application is illegal. Legal credit report repair is simple. You can do it on your own if you have the patience, but as we know, most Americans do not have the patience. If you do choose to get help from one of the many credit report repair services, choose one that is associated with a law firm. In general, a law firm will not suggest that you do anything illegal to achieve fast credit repair. |
