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You see the ads in newspapers, on TV, and online. You hear them on the radio. You get fliers in the mail, email messages, and maybe even calls offering credit repair services. They all make the same claims:

âCredit problems? No problem!â

âWe can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!â

âWe can erase your bad credit â 100% guaranteed.â

âCreate a new credit identity â legally.â

Do yourself a favor and save some money, too. Donât believe these claims: theyâre very likely signs of a scam. Indeed, attorneys at the Federal Trade Commission, the nationâs consumer protection agency, say theyâve never seen a legitimate credit repair operation making those claims. The fact is thereâs no quick fix for creditworthiness. You can improve your credit report legitimately, but it takes time, a conscious effort, and sticking to a personal debt repayment plan.[http://wsodownload.co Free Wso, Get Wso, Wso Warrior, Wso Marketing, Wso Offers, Wso plr, Wso Special Offer, wso download]
No one can legally remove accurate and timely negative information from a credit report. You can ask for an investigation âat no charge to you â of information in your file that you dispute as inaccurate or incomplete. Some people hire a company to investigate for them, but anything a credit repair company can do legally, you can do for yourself at little or no cost. By law:

    [http://wsodownload.co Free Wso, Get Wso, Wso Warrior, Wso Marketing, Wso Offers, Wso plr, Wso Special Offer, wso download]Youâre entitled to a free credit report if a company takes âadverse actionâ against you, like denying your application for credit, insurance, or employment. You have to ask for your report within 60 days of receiving notice of the action. The notice includes the name, address, and phone number of the consumer reporting company. Youâre also entitled to one free report a year if youâre unemployed and plan to look for a job within 60 days; if youâre on welfare; or if your report is inaccurate because of fraud, including identity theft.
    Each of the nationwide credit reporting companies â Equifax, Experian, and TransUnion â is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. To order, visit



or call 1-877-322-8228. You may order reports from each of the three credit reporting companies at the same time, or you can stagger your requests throughout the year.
It doesnât cost anything to dispute mistakes or outdated items on your credit report. Both the credit reporting company and the information provider (the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights, contact both the credit reporting company and the information provider.