{"id":4186,"date":"2014-01-09T23:04:51","date_gmt":"2013-06-07T03:46:12","guid":{"rendered":"https:\/\/creditrepairnewyork.net\/?p=4186"},"modified":"2014-01-09T23:04:51","modified_gmt":"2014-01-09T23:04:51","slug":"is-there-such-a-thing-as-legal-credit-repair","status":"publish","type":"post","link":"https:\/\/creditrepairnewyork.net\/is-there-such-a-thing-as-legal-credit-repair\/","title":{"rendered":"Is There Such a Thing as Legal Credit Repair?"},"content":{"rendered":"

Is There Such a Thing as Legal Credit Repair<\/span>?<\/h1>\n

Do you think There is Such a Thing as Legal Credit Repair<\/strong><\/span>?Despite what some people believe about credit
\nrepair, consumers have the legal right to repair their credit. The FCRA (Fair Credit
\nReporting Act) allows and encourages you to question all information on your credit report;<\/p>\n

\"legal

legal credit repair<\/p><\/div>\n

particularly items you think are inaccurate,misleading, or outdated. Not only does the
\nlegal credit repair<\/strong><\/span> process work for errors but can also help remove “unverifiable” negative,
\nyet accurate, information. Rest assured, this legal credit repair<\/strong> <\/span>process is perfectly legal.
\nTo help you become familiar with the laws,we will briefly describe them – and you will
\nsee just how much protection is provided to you, the consumer.<\/p>\n

Legal credit repair<\/strong><\/span><\/a> and
\nthe Fair Credit Reporting Act: the FCRA is also designed to promote fairness and privacy
\nof information.<\/h2>\n

Credit bureaus are not allowed to distribute credit information to anyone
\nwho does not have a legitimate purpose forviewing the information. Businesses that furnish
\ninformation to the bureaus are also regulated by the FCRA and must follow legal procedures
\nsuch as investigate disputes and ensure all information is complete, accurate, and current.
\nTo knowingly list anything that is false in any way is in violation of the FCRA. To continue
\nlisting information after it has been verified as inaccurate is also a violation. Legal credit<\/strong><\/span><\/a>
\nrepair<\/strong><\/span> <\/a>and the Fair Debt Collection PracticesAct<\/a>: the FDCPA protects consumers from abusive
\nor deceptive practices committed by collection companies. Legal credit repair<\/strong> <\/span>and the Fair
\nCredit Billing Act: the FCBA is an amendment to the Truth in Lending Act that requires
\ncreditors to promptly respond, in writing,to consumer billing complaints and investigate
\nbilling errors. Until the investigation iscomplete, creditors cannot do anything to
\nadversely affect a consumer\u2019s credit standing.Legal credit repair<\/strong> <\/span>and the Equal Credit Opportunity
\nAct: the ECOA protects the consumer against discrimination based on race, color, religion,
\nnational origin, sex, marital status, age,etc. This act also states that creditors must
\nprovide reasons why an applicant was denied credit, and allows spouse account information
\nto be identified separately. Legal credit repair<\/strong> <\/span><\/a>and the Truth in Lending Act: the TILA
\nprotects the consumer by mandating all creditorsto specify, in writing, terms of finance charges
\nand credit transactions. The act allows fora three-day cancellation on certain credit
\ntransactions.<\/p>\n

Legal credit repair<\/strong><\/span> and the Gramm-Leach-Bliley Act: the GLBA requires
\nfinancial institutions to protect the privacy of consumer\u2019s personal financial information.<\/h3>\n

Privacy policies must be distributed to the institution\u2019s customers at a minimum of
\nonce a year. The institution must also give the consumer notice and the opportunity to
\n\u201copt out\u201d if personal financial information is disclosed to a non affiliated third party,
\nincluding unauthorized inquiries to your credit report data. You can go to the Federal Trade
\nCommission\u2019s website FTC.GOV, and click on the consumer section for complete collection
\nof these laws. Remember, these laws allow you to question and initiate a legal investigation
\nof your credit information and repair it where necessary when information cannot be verified
\n– even though they don’t support you in providing false information or trying to cheat the system.
\nSo the answer is YES, credit repair is legal<\/p>\n","protected":false},"excerpt":{"rendered":"

Is There Such a Thing as Legal Credit Repair? Do you think There is Such a Thing as Legal Credit Repair?Despite what some people believe about credit repair, consumers have the legal right to repair their credit. The FCRA (Fair Credit Reporting Act) allows and encourages you to question all information on your credit report;… Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[19,20],"_links":{"self":[{"href":"https:\/\/creditrepairnewyork.net\/wp-json\/wp\/v2\/posts\/4186"}],"collection":[{"href":"https:\/\/creditrepairnewyork.net\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/creditrepairnewyork.net\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/creditrepairnewyork.net\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/creditrepairnewyork.net\/wp-json\/wp\/v2\/comments?post=4186"}],"version-history":[{"count":2,"href":"https:\/\/creditrepairnewyork.net\/wp-json\/wp\/v2\/posts\/4186\/revisions"}],"predecessor-version":[{"id":4189,"href":"https:\/\/creditrepairnewyork.net\/wp-json\/wp\/v2\/posts\/4186\/revisions\/4189"}],"wp:attachment":[{"href":"https:\/\/creditrepairnewyork.net\/wp-json\/wp\/v2\/media?parent=4186"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/creditrepairnewyork.net\/wp-json\/wp\/v2\/categories?post=4186"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/creditrepairnewyork.net\/wp-json\/wp\/v2\/tags?post=4186"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}