What Are Your Rights When It Comes To Credit Repair Corpus Christi?

It is easy enough for us to demand for a credit report and to hire a Credit Repair Corpus Christi

. The problem is, most of us dont know what our rights are when it comes to credit repair. We just usually let credit agents do the talking for us, not knowing that we being duped or fooled at times. It is important that we know what are our rights under the credit repair law. In the long run, this will help us manage our finances better. Of course, knowing your rights will also help you protect yourself from fraud, identity theft and other circumstances.

You can ask for a free report

No one can demand you to pay for your credit report. You are entitled to at least one free copy of your credit report a year. You are further entitled to a report if a company rejects your application for a loan, credit, insurance or for employment. Once you receive the notice of rejection from the company, you should receive the notice within 60 days. The notice should contain the name, address and the contact numbers of the company that rejected you. You can also ask for a free credit report if you are unemployed, looking for a job within 60 days, youre on welfare or something is inaccurate in your report.

There are a total of three consumer reporting companiesEquifax, Experian and TransUnion. These companies should provide you with a free report every 12 months. They have a website wherein you will find a form. The form will ask you personal details. These details will be used to access your credit report information. You should not be charged with this transaction.

Disputes must not cost you anything

Now that you know you are entitled to a credit report from a Credit Repair Corpus Christi, then you should probably know as well that filing disputes against the credit company because of incorrect information on your credit report should cost you no amount. It is absolutely free to dispute mistakes on your credit report. The company that provided you with the wrong credit report is responsible for adjusting the information that was proven to be incorrect.

Unless you ask a Credit Repair Corpus Christi to draft the dispute letters for you, then asking a credit report provider to correct the information in your report should not cost you anything. You can write the dispute letter yourself, especially if you already understood how credit repair is being done. All you need to do is provide accurate documents in order to prove what you are disputing.

However, if you find this tiresome, you may want to check out some credit repair companies near you. As long as they are reputable, there is no cause to be ashamed of hiring a credit repair agent who will take care of examining your credit report.

by: Kris Vanegas

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