We are glad that you have enjoyed our website and we extend our gratitude to all current and future valuable customers. We have included more information that may be helful to you.

All of us at Credit Repair Solutions thank you for all of your support.....

        Resources:

• Credit Report: Is a record of an individual's or company's past borrowing and repaying...

•  FCRA: Federal Credit Reporting Act: Section 611 (a) (1): If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer the agency shall conduct a reasonable investigation to determine whether the disputed information is inaccurate....

•  FDCPA: Fair Debt Collection Practice Act: Its purposes are to eliminate abusive practices in the collection of consumer debts....

• FACTA: Fair and Accurate Credit Transaction Act: The law allows consumers to request and obtain a free credit report once every twelve month from each of the three nationwide consumer credit companies....

•  Inaccurate information: 15 U.S.C. section 1681 (i) (7): Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6) (B) (iii) by no later than 15 days after receiving a request from a consumer for that description.

• Accuracy of report: 15 U.S.C. section 1681 (e): Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

• Fraud Alerts: Initial alerts- Upon the request of the consumer who might believes he/she has been or is about to become a victim of fraud, including identity theft, a consumer reporting agency... shall include a fraud alert in the file of that consumer for a period of no less than 90 days.

• Identity Theft: Identity theft can be defined as "a fraud" committed using the identifying information of another person without authority. The FBI has called "identity theft" one of the fastest growing crimes in America today.

Helpful Tips:

1. Always pay your bills on time.

2. 30 to120 days late have a big impact on  your credit rating (avoid them)

3. Keep your debt-to-credit ratio anywhere between 10% to 30%

4. Don't close un-used accounts, it can have a negative impact on your credit report.

5. Paying off a collection does not remove it from your credit.

6. Don't open multiple credit all at once.

7. Open credit as needed

8. Protect that nine digit number at all times.

Useful Website Links

• Federal Trade Commission:

http://www.ftc.gov/os/statutes/fcrajump.shtm

• Federal Credit Reporting Act:

http://www.ftc.gov/os/statutes/fcrajump.shtm

• My Fico:

http://www.myfico.com/Default.aspx

• Free Annual Credit Report:

https://www.annualcreditreport.com/cra/index.jsp

• Credit Report Organization Act:

http://www.ftc.gov/os/statutes/croa/croa.shtm

• Identity Theft:

http://www.ftc.gov/bcp/edu/microsites/idtheft/

• Credit Report PIN:

http://www.pirg.org/consumer/credit/statelaws.htm

• Opt Out Screen:

https://www.optoutprescreen.com/?rf=t

     National Credit Bureaus

• Equifax:

             http://www.equifax.com

• Experian:

             http://experian.com

• Trans Union:

             http://transunion.com

   Follow us on        

"Your Solution To Better Credit"