Free Credit Repair Services Help to Fix Bad Credit Report, Apply Today!!

MARIETTA, Ga. - May 2, 2013 - PRLog -- Credit-yogi.com is here to help guide these people to the solutions to their credit problems by offering suggestions, such as:

·         DIY Credit Repair

·         Credit Counseling Companies

·         Dispute Errors on Credit Reports

·         Credit Repair Organizations Act

Credit Repair 101

The best free credit repair help is the kind someone can provide himself. There is nothing a credit repair company can do that cannot be done oneself, so don’t fall for any lines that state “instant credit repair” or “removal of negative items is no problem.” These are misleading, as there’s no such thing as “instant” credit repair, nor can correct negative items be taken off of one’s credit reports. Get all of one’s debt together and then tackle it in the order of what’s most important. It will take time, but the more credit issues one corrects, the faster his score improves.

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Counseling Companies for Credit Repair

One of the most effective ways of free credit restoration isn’t free, but is still helpful. It’s a credit counseling company, and the initial consultation is gratis. Some people find this a great way to fix a poor credit rating. These companies can do everything from contacting creditors to teaching folks how to budget to offering guidance about handling other financial issues. This does make them particularly helpful for those trying to mend a damaged score.

Error Disputing

The key to free credit report repair is being familiar with what the report says. Get copies of one’s three reports from Experian, TransUnion, and Equifax and read over them closely. If there are any inconsistencies or fraudulent items, write letters of dispute to the reporting bureaus. They have 60 days after receiving the letters to let one know if they’ve removed the negative items. If they have, one’s score can improve up to 20%.

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CROA

The Credit Repair Organizations Act (CROA) renders it illegal for any credit repair business to lie about what it can do for consumers, so if one advertises free credit repair help, it must provide that or be brought up on charges of fraud. It is also illegal for any company to require up-front fees. Supported by the Federal Trade Commission (FTC), CROA requires credit fixing businesses to explain a consumer’s rights in a contract that details what the company can do for folks. Go online for more about CROA.

Credit-yogi.com is a highly respected website that gladly links people who need answers to financial questions with the fiscal specialists who can provide them – at no cost. For a complimentary consultation, dial 866-964-9644.