Credit repair services and resources for Americans.

If a credit bureau is providing inaccurate or outdated information about your credit history, you may not be able to access credit at all. If you can access credit, you will pay hundreds or even thousands of dollars more for it, simply as a result of inaccurate information negatively impacting your credit score. The lower the score, the more credit costs you!

Learn how credit repair services can help you eliminate inaccurate, negative information from your credit report in under 90 days.

Credit bureaus, or Consumer Reporting Agencies (CRAs), must operate in compliance with the Fair Credit Reporting Act. In recent years, it has come to the attention of US lawmakers, and Congress, that CRAs often provide inaccurate, out of date, and even false information about people. Concerns have also been raised about the complexity involved in getting the credit bureaus to remove false information. Not only does this information severely limit the opportunities an individual may have, but it also results in a person spending many, many hours fighting their way through the complexities of fixing their credit report.

Repairing bad credit scores is a complex task. Many credit laws and acts have been implemented in an effort to combat this problem; however, they are very complex and confusing for the average person to understand.

It is VERY important for people to understand that it is up to them to find out what is on their credit report, and to take the necessary steps to correct inaccuracies. The first step for every citizen is to acquire copies of their credit reports from the three major US credit bureaus.

In the past, it cost money to get a copy of your report, unless specific conditions were met. In 2004, a new amendment to the Fair Credit Reporting Act was enacted to make it easier for people to know what's on their reports.

Learn about annual free credit reports and how to get yours.

Who are these Credit Bureaus?

There are 3 major Consumer Reporting Agencies in the US today. They are:

1) Experian (formerly TRW)
P.O. Box 949, Allen, TX 75013; (888) Experian (397-3742).

2) Trans Union
760 West Sproul Road, P.O. Box 390, Springfield, PA 19064-0390; (800) 916-8800.

3) Equifax
P.O. Box 740241, Atlanta, GA 30374-0241; (800) 685-1111.