There is some important facts you should know about the credit bureaus and how they respond to credit disputes. Lately they have included notices when they follow up and respond with their results of the credit dispute investigations. One credit bureau in particular, Experian, notifies consumers with a rather stern warning that insinuates that it may be illegal to dispute certain items that you feel may be inaccurate. Their language also indicates that if you hire the services of a Credit Repair Organization, that you may be breaking the law and that you risk having the "authorities" get involved if you do so.

I can tell you in so many words that this is false. First, Experian refuses to let consumers purchase their FICO scores. Now they don't want to investigate inaccuracies on your credit report. The reason? People buy scores, not credit reports. They want to discourage consumers from seeing their scores simply because by knowing your score, you would probably be more inclined to initiate a credit dispute. That's their first strategy to stop your disputes. The letter is their second strategy. Its a shameful scare tactic they hope will keep you from disputing again.

You have the right under federal law to dispute ANY item you feel is inaccurate, misleading, or incomplete according to the Fair Credit Reporting Act. Not only that, but it is perfectly LEGAL to hire a 3rd party, credit repair service to dispute on your behalf. The Credit Repair Organizations Act was implemented to protect you from scams. If credit repair was illegal, why would the government create an Act to dictate the rules a credit repair service must adhere to? They would'nt if it was illegal.

I think the best course of action is to learn all you can with the huge amount of information available online about how to repair your credit on your own, instead of hiring a credit repair company. Credit repair companies are very expensive. There is a lot of resources, books, kits, etc available to show you how to do it on your own. Arm yourself with this information and take control of your credit today!

The first step when repairing your credit is to always know your credit scores. You can find out here
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