Credit repair services and resources for Americans.

Repair Bad Credit offers American residents credit repair services, information and resources to educate and inform consumers about all aspects of credit. Paralegals Fowler and Fowler provide services to help individuals and businesses address inaccurate and out of date information reflected on credit reports.

The three major credit reporting agencies, referred to as Consumer Reporting Agencies (CRAs), are not government owned agencies. The CRAs are huge, extremely profitable corporations. The heart of their business is collecting and marketing your personal credit, employment, and financial information to those who will purchase it from them. Their clients are your landlords, employers, insurers, financial institutions, creditors, and mortgage brokers.

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These companies buy this information from them in order to make judgments about your credit worthiness and to try to sell you credit and insurance. Don't try to deal with these massive corporations on your own. Get help with professional and experienced credit repair specialists.

Credit Repair

It is an unfortunate reality that the information gathered and reflected on one's credit report can be wrong. It is up to every individual to see to it that the information contained on their reports is accurate. The credit bureaus (CRAs) who gather and report on you DO make mistakes. These mistakes can cost you a great deal of money.

Individuals who have a poor credit score, as well as negative information on their credit reports, may benefit from professional credit repair services. These services cannot help to remove accurate information from one's credit report. What the experts can do is help to have incorrect and out of date information removed from a credit report.

Credit

Credit is a reality of most people's lives. Your ability to access credit, not to mention the price you will pay for that credit, is critical to your financial well being. Those who have a strong credit history have the benefit of being able to access credit at far lower costs than those with poor credit histories. The bottom line is that a strong credit score saves you money. Having to pay more for credit can cost tens of thousands of dollars more than it would if it were available to you at a lower price. Those with good credit scores are those who borrow at a lower cost.

Credit Reports

Inaccurate credit reporting can greatly impact your life. Your credit report is sold to your creditors, bankers and other lending institutions. These people have enormous power to make credit decisions about you that will profoundly affect how much credit you can access, and how much that credit will cost you.

Your personal credit rating and credit history is also sold to telemarketers and companies who make a living off selling mailing lists to other businesses. They are making money off your credit information, without requesting your permission to do so. The FTC continues to fight for increased accountability from the Credit Reporting Agencies because too often the information they are selling about you isn't even accurate! The Credit Reporting Agencies are aware of the inaccuracies that plague the information they sell, but have done little to address them. It is up to the individual citizen to ensure that the information they are profiting from is accurate.

Is the information in your credit report accurate? Learn how to request copies of your free credit reports annually, and know if you need professional credit repair services today.

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