If there is anything questionable about a given creditor, use the information on the report to write them a letter of dispute There are companies who will do this for you for a fee; they know precisely what letters to send to whom and get results generally within six to eighteen months, not a bad turnaround for a credit makeover. One company we have worked with is: Quest Credit Group: (our personal experience is with Alan Scivally, who has done tremendous work on behalf of one of our clients) BEWARE of credit repair scams… a company looking to scam you might suggest one or all of the following:o    The company wants you to pay for credit repair services before they provide any services.

Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised. The company doesn’t tell you your rights and what you can do for yourself for free. The company recommends that you do not contact any of the three major national credit reporting companies directly. The company tells you they can get rid of most or all the negative credit information in your credit report, even if that information is accurate and current.

The company suggests that you try to invent a “new” credit identity — and then, a new credit report — by applying for an Employer Identification Number to use instead of your Social Security number. The company advises you to dispute all the information in your credit report, regardless of its accuracy or timeliness.

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