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Credit Restoration Is Legal!


Every Day, We Are Asked This Question:  Is Credit Restoration Legal?

The answer is resoundingly:   YES! 

When the three major credit reporting agencies (CRA’s or Bureaus) started collecting and reporting data earlier in the 19th century, the public found that inaccuracies abounded.  So Congress started taking notice due to the complaints of their constituents. In 1970, they passed the Fair Credit Reporting Act.  It has had a profound effect on the public’s ability to correct errors. 

FCRA has had many updates over the years, but the main points are:

You have a RIGHT to dispute information on your credit report that you deem:

  • Misleading
  • Inaccurate
  • Negative
  • Incomplete
  • Unverifiable

If during the investigation by the Bureaus, the disputed information cannot be verified as accurate, then the bureau must eliminate the information from your report. There is no charge for requesting an investigation.  If the credit bureau doesn’t respond within 30 days of your notification of a dispute item, that item must be removed from your credit report.

Only inaccurate information can be erased from your credit report.  Accurate negative information remains a part of your record for at least seven years from the time it is reported (10 years for bankruptcy).

Don’t use a company who offers to help you get credit by creating a second credit file using a false tax-id number or a new social security number.  This is sometimes called “file segregation”.  It’s illegal and you could be subject to serious penalties.

If you have a significant amount of debt, this can also affect your ability to get credit.  Some lenders will have a problem with extending credit if they see a significant amount of debt, even though all payments have been made.  The general consensus is to keep debt to less than 30% of your credit limit and to pay off the debt with the highest interest first.

There is NO requirement by law that credit bureaus report anything on you.  But because they get paid by merchants to keep track of your spending habits, this is a BIG BUSINESS for them.  They also sell your data to merchants/lenders who are interested in learning your payment histories, and who may wish to market to you.

Most people don’t have the time, persistence or experience to enforce their rights on credit bureaus.  KC Credit Services removes negative, inaccurate and incomplete info from your credit report.  We have helped numerous individuals qualify for new loans.  We can determine right over the phone if credit restoration will help you!  Call us at 877-655-8001today or click here.!

 

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News & Updates

New Website Launched!

25-Feb-2014
Welcome to our new website! The changes we have gone through are designed to provide more informati..

Business Credit Funding Suite is HERE!

31-Jan-2014
Announcing a proven technology to access funding for your business without using your social securit..
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Blog Activity
  1. Accuracy Problems on Credit Reports Carole Carlson 05-Jul-2015
  2. Do You Need An Alternative Identity Number? Admin Manager 16-Oct-2013
  3. Congress Contemplates Reasons and Fixes for 40 Million Credit Report Mistakes Admin Manager 03-Sep-2013
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Success Stories - Hear From Some of Our Satisfied Clients

     
From 610 to 700…   From 580 to 655…   From 605 to 702…   From 618 to 708…
     
just want to thank you, Donna… You did more for me in one month than Lexington Law did in 10 months. You have moved me closer to my goal in a shorter amount of time and I just want to thank you...   In 1999 I began to see a noticeable increase in the number of individuals coming to me with credit challenges. I began looking for a resource to aid them with their issues and looked through the Yellow Page...   My name is Lansa Johnson, when I came to Donna and her team at Kansas City Credit Services I was very nervous and thought this company was a true gimmick. The truth of the matter is; Donna and her...   In 1998 I was separating from a spouse who left me with substantial credit issues. A former friend of mine shared with me their success with KCCS and I hired them for my own personal credit situation....
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