Are There Really Laws to Protect Me From Bad Credit Classification?

Credit card debt laws to protect the consumer

Yes there are! Laws have been established to protect consumers like you and me from being unfairly categorized as having bad credit.

The Fair Credit Reporting Act was established in 1971 to do that. It mandates the 3 major credit bureaus follow and adhere to certain procedures in the tracking and reporting of our personal credit rating. Also known as a FICO Score or Credit Score.

Raising Your FICO Score today is a MUST no matter where it is. In these uncertain time, it is paramount we increase and maintain the best possible credit score. Heck, we never know when we will need it. Do you know, a good or bad FICO can mean the difference between getting a job, buying a home, or losing thousands of dollars in excessive fees and interest charges.

Do you know how to properly dispute any negative items currently found on your credit report? If you do great! You will save yourself tens of thousands of dollars over the course of your lifetime. If you don’t, not to worry. That’s why our clients hire us. At Federal Credit Restoration Services that’s what we do. We improve, restore and maintain optimal credit scores for our clients every day. And even if negative information on your credit report is true and accurate, it can still be potentially disputed and removed if you have the proper tools and instructions.

In fact a huge amount of the negative information that is removed from consumers’ credit reports is in fact accurate, but if you can trip up the original creditor and prove that they did not follow the law as stated, you will clear your credit and increase your FICO score. It’s a loop hole.

Most people that do not know the law either accept the information reported on them or hire attorneys and pay them tremendous sums of money to clear their credit.
At Federal Credit Restoration Services we use proven insider letters and procedures I created while working for one of the major credit bureaus. This is all legal and ethical. Its strategies I developed over my 20 plus years in the credit, collection and reporting industries.