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Know Your Credit Repair Rights

By Ace Winget

Credit restoration is a necessary service for people seeking to improve their scores. Having bad credit will obviously affect how well people will be treated when they apply for a credit card or loan. You will most likely not be given those items based on the information they are provided about your credit score.

Bad credit affects you in other ways besides whether you can get loans or new lines of credit. It can also affect whether or not you get the job you are qualified for. Or perhaps you can’t get life insurance because of it.

When you have bad credit it is important to make those changes now. The Fair Credit Reporting Act states that you can receive a free credit report when you are denied employment, insurance, or credit based on your bad credit rating. The agency that denies you something has to provide you with the credit bureaus information so you can contact them.

Your free report should be looked over. You need to see how accurate the information on the report is. If there are any problems, it is up to you to correct them.

Anything on the report can be disputed if it is incorrect or outdated. The credit bureau has 30 days to investigate the issue. After the problem is corrected, a new credit report will be given to you so you can review it again.

Another law to be aware of is the Credit Repair Organizations Act. This is important when you are working with a credit restoration company. The act states that when can receive a free copy of the Consumer Credit Files Rights before you sign any type of credit restoration contract with the repair company.

It states that you have the right to not be charged money until after they complete their promised services. The repair company cannot make false claims about what type of service they can do. The company will also need to have your signature on a written contract before any work can begin.

Knowing your rights can help you not be taken advantage of. These acts are in place to protect you. Know what your rights are before jumping in the game.

Nitro Credit specializes in credit repair, credit help, increasing your credit score, and credit restoration. We ensure you have a clean slate and the confidence of good credit.

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Article Citation
MLA Style Citation:
Winget, Ace "Know Your Credit Repair Rights." Know Your Credit Repair Rights. 10 Jul. 2010. 23 Aug 2014 <>.

APA Style Citation:
Winget, A (2010, July 10). Know Your Credit Repair Rights. Retrieved August 23, 2014, from

Chicago Style Citation:
Winget, Ace "Know Your Credit Repair Rights"

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